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soft searches
I have checked my credit report and note since the 1 November until today there have been over 40 soft searches from a company called JAJA finance. Most are quotation searches and one is AF?. However no hard search has been done. I do not understand why so many from the same same company. Also I get my credit report from…
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Shell Energy payment plan
I have a final bill from my previous tenancy which is circa £5000. I can’t pay this off in 12 months but Shell have offered me a payment plan over 36. When discussing this with the agent there he advised that if I spread over 36 months that may affect my credit score/ status and affect my chances of a mortgage. This was…
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Order to obtain information - defendant didn't show up
As per the title, I went to the court, but the defendant didn't. The staff told me that the case would now go back to a judge to re-assess.From my understanding, when someone doesn't attend court for questioning, can face up to imprisonment. But so can you, if you pass with a red light!I still haven't heard back from the…
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Duplicate CCJ Showing on report
Hi, I am new here and hoping to get some help with rebuilding my credit file and life :) I have had a bit of a disastrous few years following a series of strokes, my business failed I ended up going bankrupt. I tried to restart by business again and had another stroke so had to give up again and ended up bankrupt again :/…
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Water company ruined my credit score and was declined mortgage
Hi all. A bit of background: A couple of months ago my credit card supplier advised me they were reducing my credit limit to a quarter of what I was allowed and the following day my bank emailed me asking if I had debt problems they could help with. Alarm bells started ringing. Prior to this I had a mortgage in principle…
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Feeling panicked - defaults and AP’s
Hi, hoping someone can share stories or offer some advice… I started a DMP around 6 months ago and it has been going well. I felt okay with the fact me and my husband would chip away at our DMP and hopefully our credit file could recover after 6 years when things drop off - I felt sick to my stomach today to learn that…
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Credit cards not reporting to CRAs - should I get a new credit card?
Hi, I have two credit cards, a Visa card and a Mastercard and neither are reporting to the CRAs. This may be because I have had both for literally decades (?) I use one card regularly and clear the balance each month. I am mortgage-free and my credit history is clean. I have no real need for credit but will probably…
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What can I do here
So I have been paying for my internet service However they have restricted it and I seem to have another account which means I'm behind and owe I've been paying for one and behind in another account which i meant to have only one account However they do not have an email address, only can phone and they a virtual assistant…
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Mortgage still appearing on credit report after failed completion
Hi there, wondered if anyone has any advice on how to proceed in getting a new mortgage account 'opening' removed from my credit file asap. We were due to complete on our house purchase on 27th Sep but unfortunately our buyer pulled out a few days before. Our solicitor had already drawn down our mortgage funds and they…
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Cabot Financial- prove it sent help with their reply
Hi all, Thanks for taking the time to read the following So my partner received a couple of letters from Cabot financial last month, first I knew of these. One was for supposed personal loan and another for credit card debt Both of these debts defaulted way back in around 2009, then they were sold to Cabot. Through various…
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Received letter from Link Financial for account I don't own
I've just received a letter from Link Financial Outsourcing which seems to be saying they are acting on behalf of a referred debt of about £500 from Cooperative Bank, around autumn last year. It all looks legit (they include FCA stuff) and Google shows its a real company... But I've never had an account with this bank! Not…
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Currys - Tech Now, Pay Later
Good afternoon all Yesterday, I was looking at purchasing a TV and then looked at the buy now pay later offer at Currys and run through the check and was told I would be likely to have a £3,500 credit limit to purchase whenever I wanted, but then needed to go through the credit agreement with Creation. Creation rejected my…
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So had texts from MyCRS.co.uk about 3 bill
I have been getting a lot of calls a debt collection company recently regards a 3 bill or so they say and today I got an SMS from them with link and amount to pay. Now I have spoken to 3 and they say I have nothing outstanding and additionally I haven't been with 3 for about 7 years! But these people have all my details -…
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Upping a credit limit purely for credit rating purposes
I currently have a Nationwide credit card, which I got years ago both 1) to boost my credit rating and 2) because at the time, you got reward points. I did shop around recently, but it doesn't look like any of the other credit cards on the market would be particularly useful for me - I pay off my credit card in full each…
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How much compensation to ask for - credit card firm said they applied unfair default 4 years ago
Hi folks In November 2019 MBNA applied a default to my credit card even though I paid the overdue amount late, but strictly speaking on time to avoid a default. At the time I argued with them however I had been late a few times and so gave up after they said they wouldn't do anything. It was a hard time for me financially…
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Random fraudulent goods letter from retailer
This happened ages ago but I'm still curious about it. A major retailer sent me a horrible letter saying I was in possession of fraudulent goods and, if I didn't return them immediately, I could be prosecuted, etc. I didn't have an account with them. I hadn't ordered anything from them. I wasn't holding any goods for…
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Cifas Marker
On June 2023. I had a Cifas marker “ Abuse of facility” put on my name as I was involved in a job scam. My NatWest account was closed but I have 2 more current accounts that are still active with a few more Credit cards that are still working no problem. Is there a risk of all of my accounts being closed? After 6 years…
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Credit Report Failed in MSE
I’ve been getting the above message in MSE for the last 24hrs. when trying to check my Experian report. Is anyone else experiencing this?Any suggestions or solution. Many thanks.
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Incorrect Default Compensation
Hi all. Sorry if this has been posted before, I was recently defaulted by Virgin Media (they’ve accepted responsibility as the account was settled) and has since been corrected on my credit file. I am going to submit a complaint in writing and just wondered if I am due any compensation for this? My credit score was heavily…
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switching to a consumer account from business with O2
HI, in brief, i'm now retired (yesssssssssss) after running my own business for 40yrs. myself and partner wish to retain our phone numbers but just switch to a consumer account. Despite having paid tens of thousands over the years to O2 for all employee phone contracts this apparently is not an option. Because.....I don't…