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Virgin Money ruining my credit and telling lies :(
Hi there, I am looking for some advice and guidance about trying to proceed with a complaint to the Financial Ombudsman or otherwise find recourse where I feel I have been unfairly treated. In Feb/Mar 2023 I transferred my bank account from Virgin Money using the switching service to another provider. I selected that I…
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Default Notice for Zero
Hi there, I found out yesterday that a default notice was issued against me for a 0 balance from my bank. Ive never had a credit facility with them, never been over drawn but theyve entered a default notice against me. I've disputed it with transunion and raised a complaint with the bank. Im just curious as to how they are…
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Laybuy hacked, fraudulent spending, no response from laybuy
Please advise if this needs to go to another thread. Last week my laybuy account was hacked and used on a number of retailer sites in a short space of time. By the time I realised, £1200 of transactions had occurred. I immediately contacted the credit card company attached to the account who put a block on any further…
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Credit Score Dropped
Hiya, Looking for some advice as I'm a bit stumped. My credit score suddenly dropped 200 points a couple months ago and I have no idea why. It says my Argos card has been removed but it's still active and I even used it recently. I'm not sure what to do to bring it back up. I've attached a picture of what it says but I…
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Imposter on my credit file!
Hi there, I have just checked my credit score on checkmyfile and under the Electoral Roll field there are 2 reported addresses for someone with a similar (not entirely correct) name that's definitely not me!! I have emailed Crediva who put these on my file but haven't heard back? Should I also notify the police? Thank you
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O2 Default
I'm looking for advice please: I applied for a mortgage from Natwest and was refused due to an adverse payment entry (this was pretty much the email I sent to O2): It shows an amount of £9 in default for 12 months or so. I have never received any communications from them regarding this, the first time I'm made aware is…
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Adverse credit entries
I have a situation where I rented some flats and the tenants ran up electric bills they didn't settle when they left. I have since found out when applying for credit that the bills were reassigned to me personally. When I found out I settled the bills but they still show on my credit file (as settled) but they stop me…
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Credit Score Affordability Should Include joint income
My Experian credit score shows my affordability as very poor but it doesn't take account of the fact that my wife and I have joint accounts/income and can easily afford outgoings. Is there a way to get Experian to us joint income rather than mine alone? Michael
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CCJ added to my equifax record incorrectly
Hi I had a look at my ClearScore report and a CCJ is being added. It's not mine. The first name is completely different to mine and it belongs to a sibling. I have emailed equifax. Is there anything further i need to do to get this removed ASAP. Thanks
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Credit File - Missed Payments
Hi. I'm just wondering if this is correct, I'm quite new to all this. I received a few defaults 4 years ago due to losing my 2nd job when covid hit. I know in just over 2 years these will be removed from my file. However I have a loan account on my file that I have been making an agreed reduced payment to every month for…
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QUESTION: Credit Application Using Partners Details
In our household, I manage / pay for all of my family's phone contracts, internet contract etc. Recently updated x4 mobile contracts and on attempting a 5th got a failed credit check notification. My question is this... if I were to apply for this 5th mobile phone contract, using my good ladies details (her name, address,…
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Missed Payment - Wasn't aware I had!
I had an update on my credit file today to say that I'd missed a payment for my water, I'd been trying on and off for a year to get registered on my providers site but it never worked and I arranged with them that I'd pay monthly when they sent me a bill. Reason being the house was previously unoccupied and after…
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Two bank accounts hvaing one with no activity affect my history?
Ive got 2 bank accounts one I dont use and just trasnfer cash into very raraely when bank says theyre looking to close it.Would transfering some cash into that bank account help any way, other than just keeping it open?
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Credit car spend of credit limit how much?
Ive heard that keeping my spend low looks better on my credit history report, so it doents look like Im struggling maxing out my card. Is there a minimum amount I need to spend each month and do having more payemnts look better than just one?
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Paying off chunk of mortgage and credit history
Im looking to move properties this summer. I currently have a fixed term mortgage coming to an end in March. Im just going to stay on the SVR until I move. I have enough savings to pay off the mortgage, but if I do that it will affect my credit hsotpry negatively, so need to pay a chunk off but keep mortgage going. Is…
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02 - Letter from debt collection agency for 02 mistake on mobile bill now Credit score down 24 pts
Hi, I was wondering the effect of a mistake made by 02. I had to take a SIM with 02 when taking Virgin Broadband as part of the "deal" I cancelled virgin and also cancelled the aim last August. I received a letter from a debt collection agency and 02 saying I owed £181.81 on this same SIM. I told 02 I cancelled the SIM…
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Credit rating hugely affected by 'missed' mobile payment that shouldn't have been taken
I have had a real issue leaving my previous pay monthly mobile contract (see Impossible to leave Plusnet Mobile — MoneySavingExpert Forum). The long and short of it is they should have cancelled my contract a few months ago and I had a message to say that was happening and apologising for past payments being taken that…
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What effects your credit score?
My husband has recently checked his credit score on Experian and got a decent score of 999. We are hopefully going to be applying for a mortgage in the next few months and he has an old credit card with a £10,000 limit on it sat there. We used it about a year ago to balance transfer about £1800 and pay it off. Should he…
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Credit Score post IVA
I took out an IVA in 2021, I quickly realised it had been miss sold and was not the best option for me to clear my debts so i closed the IVA, The debts had already gone to 'in default' I have requested information from all of the current debtors (most were sold on so not the original companies i took out the credit with)…
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Natwest & Pra Group
Morning all....just after some input whilst waiting on a response from Natwest. I had 2 credit cards with NatWest. Natwest sold both debts to PRA PRA defaulted January 2018 - which finally fell off last month! Happy Days! However Natwest defaults dates are March & April 2018 so are still there....I have filed a complaint…
