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Experian/...'s 6 year history. (scotland)
As I understand it, the limitation on which a defaulted unacknowledged debt in Scotland is 5, not 6 years. Can Experian/... be convinced to drop debts that are >5 years from your credit file? Or is the 6 year history simply a buisness decison?
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Daughter moved out, then took out contract phone at my address
Daughter moved out, then took out contract phone at my address. Trying to nip this in the bud. I don't know where she lives, she refuses to tell me, with her boyfriend somewhere. Neither of them are working so she must have lied about her income. What do I do? She has ripped me off several times in the past to the…
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Why is my credit rating as low as 541 since moving?
Hi before i moved from my parents home my credit rating was 860 now after 6 months of living on my own it is now 541? I have not taken out new credit my debt is £3800 on credit card and i have an overdraft which is always paid off in full. All bills are paid on time I have registered for the electoral roll in my current…
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Trying to do the right thing and failing
Hi, i'm sure I've been here before but couldn't seem to sign in so had to sign up again... anyway. I've been trying to sort my finances over the past few years. I've moved into cheaper accommodation away from my friends just to save some money. i've cut back in every way I think I can and i'm really starting to get on top…
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Demand notice from Credit Protection Association...
Hi there, looking for some advice. I have had a couple of demand notices lately from the CPA acting on behalf of Screen Care Services Ltd, demanding payment of £26. Now to be fair, I chucked the forst one thinking it was junk mail, (certainly looks it) but when I recieved another, I took a bit more notice. The letter just…
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Question about claim form and date of service
Hello am new here. My friend has a claim form - it says she has 5 days from date on top to respond. Looked online and it appears that she has 2 days from date of posting. So what is the legal position please? Is it 2 days from date of posting or 5 days from date on claim form? Thanks in advance of your answers
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My Debt
1Howdy, I've been meaning to take a more pro-active approach to my debt for a while, I've started today! I've written down my debts and they total 10k. I will write an SOA when I next get a chance to sit down at a pc. I have an overdraft of 2500 with BoS and am opening a new account with RBS. I'm charged £1 a day for that…
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CCA Requests
HI all, sorry if this has been posted already but i keep seeing CCA requst threads floating around & i think i know what one is but how do i go about getting my creditors to check to see if they have one? Is this only used if you are about to get a CCJ or can it be done at anytime? How do you know if its enforcable? x
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Default notice and CCA request
I had trouble paying a credit card mid 2010 so I sent them a request for reduced payment along with the payment. The didn't reply to my letter but did accept the payment. I continued to make the reduced payments and sent a CCA request (the one on the CCA thread on here) to them in December of 2010. This too was ignored. I…
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DMP, Claims and Bankruptcy advice needed
Hi All, I was on this site just over 2 years ago and after much deliberation, I decided to enter into a DMP in which I pay £300/month. After 2 years, I am not sure if I made the right decision because of the following reasons... I have already filed claims through a company who: A). Request a copy of my CCA (I am now aware…
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Old Vodafone Debt
Hi All Just received a letter from Capquest regarding a very old Vodafone debt that I must admit that I had completely forgotten about. Its for £499, although from memory It was from when I lived in an address around 8-9 years ago. I've heard nothing from Vodafone since then although I have moved two or three times since.…
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Default help...
Hi all, hope someone can help me - I have a default registered on my Experian credit file dated November 2010 - but I didn't get a letter from the creditor saying they were going to put the notice there - can they do this without telling me?? For info, I was on a DMP and did a full & final settlement last year. I have…
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Orange and Moorcroft Debt Recovery
Hi everyone, I'm looking for some advice on how to deal with some 'debt' that I 'owe' to Orange which is being handled by Moorcroft. To give an overview of the situation, I received a letter in early January from Moorcroft (without any previous contact from Orange) stating that I owed £107.70 to Orange. This was related to…
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Dont know which way to turn
Hi all, have not posted before but am a regular reader, and you guys n gals sure do know your stuff ! Sorry if this post is a bit long winded, but probably best you get a complete build up of the overall picture. Up untill October 2006 i had a fairly good job with a tied cottage, during that year i developed an illness,…
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Council Tax - currently in shock!
Hi, I don't know if anyone can help me. I have just received a council tax bill for £600 for June-Nov 2005 ! I rented a place with an old work colleague back then for 6 months and they can see that I had paid my half by direct debit for those 6 months. Both names are on the tenancy agreement and on the council tax bill.…
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what would happen if I went bankrupt?
Hi everyone I wonder if you can help me at all, If I did declare myself bankrupt or get a DRO would I be able / likely to be given a mortgage in another 18 months times when I'm supposed to be buying a share of my house? Or - would I be more likely to get a mortgage if I'm still in debt ??? Any suggestions welcome
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Using Credit cards during dmp
Hi all, Im new to this site and was just after some genral advice. We have been in a DMP now for over two years and although it has been tough at times we have never missed a payment. My husband though it may be a good idea to try and rebuild our credit rating and apply for a credit card as most of the debt is in my name…
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CCCS Review Help?
Hi guys, my review is due and I sent them my amended budget which has a increase of £8 a month at the moment. They replied with the following: *********** Hi ****** I have noted your budget that you do not pay any repair costs, as a friend does these for free. Based on a payment of £113, the term of your plan will still be…
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Subscription to Thread not working
I subscribed to the thread for free cinema tickets on 1 February and received two emails, the first of which had an activation link in which I have followed. I've since received just one email and I have my preference set to instant so what is going wrong? TIA
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Ideas to fight debt counselling fund closing?
If you've five minutes, please do read this blog and if you've any ideas put them in the comment and discuss note linked at the end. http://blog.moneysavingexpert.com/2011/02/08/dont-cut-25m-of-debt-counselling-–-how-to-campaign-against-the-financial-inclusion-fund-closure/
