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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…
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Credit check for fraudulent opening of a Pockit account
I noticed a soft check on the credit account from OnFido Limited early this month which was based on my name, date of birth, and an address I moved out of three years ago. A few days later, I received a pre-paid (NOT a credit card) Mastercard Pockit card, with my name on it, redirected (we retain the post redirect) from…
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Poor Credit Rating
Hello you very amazing and intelligent individuals that make up this forum. I sincerely hope you are doing well. Sadly i had ill health earlier this year and had a drastically reduced income. Sadly i was late by 4 months paying a Barclaycard Credit Card and they have issued a default marker on my account. I have a Credit…
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Failed Three Credit Check but no idea why
Hi all, I just tried to order a 5G router from Three, it has said that I failed the credit check. The only reason I can think I may have failed is because I have only been in my current job for two months. However, I have over two decades of unbroken employment. I have no CCJs, no defaults, no late payments, I have a…
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Credit rating and debt repayment
Hi, I have managed to clear my spiralling credit card debt with the help of a friend. I intend to improve my credit rating and arrange a fixed term personal loan to repay her as soon as possible. My question is, do I close my credit cards down - or keep them open without using any credit - to build up my score quicker.
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Rejected for Bank account upgrade - HSBC
I’ll try to keep this as short as possible, but it’s an infuriating situation through no fault of our own. Went into HSBC to upgrade my husbands bank account, and the application was rejected. The only reason they can give is due to a ‘recent missed payment’ but they refused to go into further details. The only thing we…
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Calls from Debt Collection Agencies - Not me they want
A mobile number I've had for years (3 PAYG Data Reward) that has never been let loose in the wild has recently started receiving texts and robo-calls from three different (legitimate) debt collection agencies. One message named the intended recipient and it ain't me. I could just block the numbers and ignore but is there…
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"Settled" debt on credit file
I have a store card which is marked as "settled" on my credit file. I closed it a few years ago. I wasn't using it. I didn't owe anything on it... the balance was zero. I'm not sure I understand the meaning of "settled" exactly. I thought it had a negative meaning, meaning you'd reached an agreement as to how much you were…
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Drop in credit score.
I found out today that my credit score has dropped by 15 points. I have a credit card, which I pay off each month and I have recently paid off my mortgage. The only ‘to do’ I can find on my report is to increase (double) my credit limit, which I don’t want, or need, to do. Any advice on how I could improve my score, or…
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Credit Report 10years
Is there a way to get a copy of your credit report that covers the past 10 years? I need to know if I have ever been refused a loan application in the past 10 years for security clearance purposes and I honestly cannot remember, and want to be sure. Does anyone know if it is possible to obtain this information? All the…
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PCH Contract- Car not being delivered till december- can I cancel without fee
Hi Everyone- completely new to this and need some advice please- ill try to keep it quick and simple I ordered a landrover Personal contract hire with a dealer just over 2 months ago- the car is due for delivery in mid december but I do not have it yet and it has not even been built -my circumstances have now significantly…