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Default, or not?
Just looking at a credit report generated via ClearScore and there's a default reported by Cabot. However, there's been an arrangement to pay in place for six months and all payments have been made in connection with it. Is it normal for this still to be flagged as 'default'? Thanks.
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Experian
Horrified to be refused a new bank account and it only took 10 minutes. My credit score is poor because I have no mortgage, no debts and no bills. Experian even had my address wrong and said not on the electoral roll. Again wrong. tried to up the score and it dropped even lower because I had applied for a bank account.…
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CCJ payments
Hi Question regarding what happens at the end of a CCJ? been over paying CCJ not by much but at the end of the 6 years the total will not be paid. What happens? Do I continue to pay? Will they expect the full amount in a lump? Will it go back to court? I'm unsure what is expected
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Getting daughter better credit report
Hi I bought my daughter an iPhone from apple with Barclays finance in my name and bank, if I change the dd. to her details will it help with her credit file ? Thanks
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Getting credit file in good order
So as title states I’m trying to sort out my file for when we plan to sell our house and hopefully buy a bigger house. so over the years I’ve managed to collect well a stupid amount of credit cards so I’m now in the process of wanting to close stuff down and just wanted some advice to make sure I’m doing the right thing so…
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Will mobile phone company offer a repayment plan?
I used up many many minutes of premium numbers. I am on Asda mobile and they do have a section if their is trouble, you can contact customer service, which I will. I know other companies offered a 6 month repayment plan. I racked up around £500. 300 minutes of £1.50 premium rate plus £0.15 non standard calling. I'm not…
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Weird soft searches
I've just looked at Credit Karma and found a number of soft searches which I know nothing of. Whilst my car insurance is due for renewal mid-August I have not used any comparison site or even gone back to Esure yet. I have not asked for any quotes from these two companies. How does this happen? Do I have any need to worry?…
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Major problems with TransUnion report - please help!
Hi, apologies if this post turns out be long-winded and confusing (it will!) , but it's not a simple issue. I recently viewed my TransUnion file via MSE Credit Club, and was dismayed to see that my address in the Personal Details section (under both Current Address and Electoral Roll Information) was incorrect, crucially…
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Credit file confusion
Hi I’m really confused about the statue of limitations and status barred on credit forums. I have several unresolved debts which I have buried my head in the sand with. The will these be non enforceable after this month? And should these drop off my credit file? I also have Lowell and Link accounts on my file from last…
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10 year old CCJ, being chased for the money.
My partner has recently been chased for £4000 for an old CCJ from 2011 on a credit card that she took out but her husband at the time used and didn't pay off. We had thought that after 6 years the CCJ and the debt was gone but it seems not. Nobody had been in touch with her since the CCJ was taken out as at the time she…
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CCJ from 2001
Hi All Just when I thought I had completed my journey from hopeless debtor to wannabe saver/overpaying mortgage, a debt collection letter from Lowell drops through my letterbox. Apparently I owe Hoist Finance Uk (never heard of them) £379.59. I call Lowell and get through to someone who finds the debt and says it’s…
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CCJ enforcement time
Hi Everyone, What's the time frame after a parking offence that a private company has before they can issue a CCJ. For example if you parked somewhere in January, is there a specific time frame that they have to serve the CCJ or can it be whenever they like? Just wondering, thanks!
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Mortgage Application - Existing Satisfied CCJs Not Showing
Hi Everyone, First time buyers. We had an acceptance with a poor credit lender at 7.5% using a specialist broker back in May. Recently I've done a decision in principle online with a high street bank, who have done a soft credit search and said they could lend us what we need. My partner had CCJs from just under 6 years…
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CCJ/JOB?
Hi all Not sure if this is in the correct section, I work in finance but ive applied for another job (still in finance) if i have a CCJ, will this affect my application or cant they see anything like this? I know they do screen checks etc in probation period? thanks
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CCJ - original debt date
Hi. I've been given a CCJ for a mail order debt originating from 2017 ( so over 6 years ) but the date of default was 2019. I made no payments in that time. Should it have been/can it be statute-barred because of it's age?
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Scottish power have added an account to my credit file
I have recently found out that scottish power have added a new account to my credit file a default for 186.00. For something called a special arrangement. I have no clue what this is and have never been in debt with my energy gas or lec.. I am on pre payment metres and have never had a bill for my metres. I've always had…
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Job titles - how to stay consistent
Hi - I understand the rationale of keeping job titles consistent across applications but any thoughts on how to do so when many applications only have fixed drop-downs which aren't consistent across organisations. Especially important when things that might be considered close synonyms are treated differently (like PA /…
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Errors are ok but doing nothing about them isn’t
Have been given two defaults by O2 which I have written proof from O2 that the accounts were satisfied with zero balance when I left. I’ve spent all week ringing a disinterested customer service centre, visited the store who said they could do nothing and written so many emails to so many teams and no one is interested.…
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FOS - Can They See My Credit File?
Wondering if anyone knows and do please move if not the appropriate board to post on. I have an open complaint with the FOS in relation to a supposed bank account which came to light at the end of last year. I have just received a letter from the FOS asking for a few bits of information, one of them being my address for…
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Unknown CCJ found - Old address issued at (6 years plus)
Hi all, Im trying not spam up threads with the same posts so I’ll
try and keep everything really simple as just looking for best course of
advice. Over weekend from checking my credit report I discovered a
CCJ: * Issued – July 2023 * Address showing CCJ issued at – an old address I moved out
of in 2017 * Time at current…
