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A few questions about credit reports
Another newbie who wishes to say thanks for all the excellent advice on here. I've received my £2 reports from Equifax and Experian. 1. Does having large credit limits on settled credit cards affect in any way your ability to gain additional credit in the future? For example, I have a Co-Op credit card on my file (which I…
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Credit Report Update Duration...?
Hi All, So, my first couple of questions are as follows. 1. I have some debts outstanding which i shall be paying in full this week. How long does it take for this information to be updated to my Credit File?? 2. I've checked my credit score and its "fair" (776/1000) through experian which advises this is the national…
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I paid off my debt, but they didn't update my credit file
I paid off a big 2000 debt for Halifax, it was a final settlement agreement and I paid it in July. However I just got my credit report through from Equifax and it says that I still owe it and the dfault is still active (not partially settled). I rund Blair Oliver and Scott (Halifax's debt collectors) and I asked them why…
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Unilateral Notice in respect of a charge
Hi, I hope someone can help me. HSBC bank have a "Unilateral Notice in respect of a charge" against my house, this appears on the land registry and HSBC are listed seperately as the beneficiary. I have today received a letter from their solicitors, Eversheds, referring to "the charge" as opposed to a unilateral notice…
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Credit files
Hi Can you tell me the outcome if I have written to 3 companies(debt collectors) and asked for my original credit agreement and they have not been able to provide it. They have all written back to say that they will not be pursueing me any further for the debt but Im wondering if I can make them wipe the defaults off my…
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tax rebate
Hello, I have moved house quite a few times this year and have heard of this new rebate, however i am currently between homes, does anyone know who i can contact to see what the situation is?
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BIL ran up debt.
Hi everyone, New to this board as havent needed debt advice but here goes... Before OH and i moved in together 3 years ago he shared a flat with his brother, upon moving out he agreed brother could keep the BT calls, tv and internet package in my OH name as brother has very bad credit (irresponsible with money). The…
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Should CRA's/credit files be banned?
I make no bones about it that i have never liked credit reference agencies or credit files, they are horrid things & are a stain on modern Britain in my view... The set up they have between themselves & the debt industry is corrupt and shoddy to the core. They all seem to be "best buddies" with each other and 1 is only too…
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O2 Default Negotiations... HELP!!
I have entered into negotiation with O2 about a default from 2008 i knew nothing of until i got my credit report from equifax. i was advised to email [EMAIL="ceditfilereferrals@o2.com"]ceditfilereferrals@o2.com[/EMAIL] to cut a long story short, i told them that i knew nothing of the default, had never received any…
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Useful lists of contacts
OK, want some interesting debt agency info? Direct lines, personal names, email addresses? PLEASE NOTE THIS HAS NOT BE HACKED/CRACKED/STOLEN OR IN ANYWAY COME TO MY ATTENTION IN ANYTHING OTHER THAN A GOOGLE SEARCH. NO BREACH OF PASSWORDS OR SOCIAL ENGINEERING AND I HAVE NO AFFILIATION WITH ANY BUSINESS, AGENCY OR PERSON…
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Do I make an agreement with a credit card company
Hi am new and have just registered, but have read some threads and this look like a good place for advise so here goes.... I have contacted capital one to say that I am struggling with my payments, if i fill out the SOA and send to them, they say they might reduce my payments, but this will record a default on my credit…
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Debt-write off/ unenforceability
After reading another thread on here re debt write-off I just wanted to double check something: If a credit agreement is deemed unenforceable, this doesn't affect whatsoever the fact that a card company will still continue to issue default notices against your name? I take it this situation would just continue indefinitely…
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Relocating, how easy is it for creditors to find me?
I got myself into a terrible mess while living in London 3 years ago. I ended up getting into 50K of debt and although I was paying this off with Payplan, I was still barely surviving. I lost my job towards the end of that time and was headed for a nervous breakdown. I decided to move to Ireland for a fresh start, as I…
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Debt recovery ageny error can I reclaim?
Yesterday I recieved a very terse email from Direct Legal & Collections followed by a very threatening notice of debt recovery on behalf of Vodafone for £21.29. I know from this forum and a google search that they are thoroughly unpleasant people to deal with. I have also got some valuable advice on how to deal with them…
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Final settlement of debt - How to pay?
Hi there, I have a number of debts which I am repaying via a DMP through CCCS. I am negotiating final settlements with my creditors and have received acceptable offers so intend to pay asap. My question is if it makes any difference to pay these via a debit card over the phone or if it is better to pay by cheque, either…
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Tuesday 7th Sept daily chat
Good morning where is everyone? I went back to bed this morning with some painkillers as after my 12570 steps yesterday, my hip was killing. Had my halfcost order this morning ;) am very very pleased with the quality of the stuff :) although the cat cards i ordered for my mum for 50p turned out to be xmas cards, so i think…
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Tuesday 7th Sept - What small DFW things have you done today?!
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Fsa say banks shud increase rate!!!
My bank say: FSA- banks should increase rate on cards to encourage people paying off their debts quicker....has anybody heard of this before??
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credit card hike
help wanted: my min payment has gone up by £13.00 this month, never later or over credit limit, not spent on it since may, never withdraw money....my balance gone down by £68.00, yet the min pymt has gone up....whats gone wrong here?:j oh by the way they have closed my credit card account as i have spoken to them about my…
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unenforceable credit agreements
Hi,I have just started to sort out a DMP with CCCS and in my research found a website which tells you the company of the phone number which calls i had 4 numbers which kept calling at all time of the day. Many be because we have only sent t token payment this month. In this website 3 of the numbers were from Egg CC. A few…
