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O2 debt from old Virgin Media Sim Card
I am looking for help as I am at the end of my tether ... I had a free sim card with Virgin Media. In Sept 23 they migrated my Sim card to O2 and set up a new contract. I cancelled the contract but have been left with a debt of £20. O2 have no record of my account number or the mobile number that was migrated. I have sent…
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Failed credit search?
Hi all, I'm looking for a bit of advice as I'm completely stumped. I am trying to get fibre broadband with Vodafone. I went through their process and all was ok until the credit search failed and I don't understand why. I have spoke to them and they tell me they can't give me anymore information other than it's…
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buy now pay later deal trashing my credit file
has any one come across anything like this i recently brourt a new monitor for 2grand from currys /pc world on a nothing to pay for 12 mounth buy now pay later deal. but it being incorectly reported to all my credit files as a maxed out credit card with high credit utilzsation iv disputed it with equfax and transunion.
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lenders checking existing customers credit files
Hi, I understand that lenders can check the credit files of their customers - I think that is one the terms that we sign up to when we sign the credit agreement. My Barclaycard credit limit has recently been reduced. This isn't a problem for me as I am trying to pay it off anyway, so I don't need a high limit. I can only…
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CCJ set aside - worth it in this case?
Considering applying to set aside a judgement which was made in our absence. Had a pretty strong defence to a small claim made by a client. Filed the defence with court back in Jan 23. Heard nothing until this week when claimants debt collector emailed to say our defence was struck out and judgement awarded against us. We…
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Single hard search - impact
Hi I’ve got a personal loan that I’ve been repaying to Nationwide (my main bank) April 2023 with c.£15k remaining that’s due to end in c.3 years as I’ve been overpaying. I’ve not got any other consumer debt or credit cards. Yesterday I took out a small additional personal loan also from Nationwide for £1k towards a new…
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O2 mobile system glitch potentially causing credit rating issue
Had a bit of a row with O2 today. They keep sending me messages to say my account is deficit, which it is most certainly not. I pay monthly DD and also get help with Airtime Rewards, never had a problem , been with O2 for years. They cut my phone off today (later reinstated) but have warned me that my credit rating might…
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CCJ and ballifs from our council for a bill we've already paid
Can anyone offer any advice please? I'm at my wit's end. My husband and I lost almost all our income a few months ago due to a major downturn in our industry. Two big projects I was relying on for the year were cancelled for reasons outside my control. My husband lost almost his work as he's an industry that didn't recover…
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Financial Associations
Just wondered if I had financial associations with 2 different people whether those 2 other people would be financially linked to each other? Thanks
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Financial Associations
Just wondered if I had financial associations with 2 different people whether those 2 other people would be financially linked to each other? Thanks
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Notice of Enforcement first communication since defence filed
Hi. Not sure this is the right place so apologies Many months ago, our business was paid by a client for some work carried out. After paying us they raised a dispute about quality of work and went to small claims court to recover their costs. We filed a defence as were fully confident in the quality of work and it was in…
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Medical Debt Collectors
Morning everyone, I am not sure if this is the appropriate category for me to post in but was hoping for some advice on a debt collector situation we have recently found ourselves in. My wife underwent a procedure at a private hospital recently which was covered through our health insurance. She was put under general…
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CIFAS Not a good idea?
I took out a CIFAS membership last Dec on the strength of recommendation from MSE. I wish I hadn't.I have had nothing but problems trying to open accounts with regular societies that i already have several accounts with. I'd had enough this week when i had to go some distance to a branch to open an account that would have…
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What to do with a small inheritance
Hey. in the next week or so I will receive a small in inheritance of about £20,000. i was planning on paying of debts with hopes it will improve my credit so I can buy a house if a few years but I’m unsure of what steps to take as I have heard paying off a loan early does not impact your credit. Can people please let me…
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Credit Karma (Ls) (Cr Api)
I just checked my credit club credit report for the first time in a LONG time. Under soft searches I have Credit Karma (Ls) (Cr Api) about 4/5 times every single month for the past couple of yrs. anyone else have similar and could shed any light please? I can see other soft searches relating to car insurance quotes and the…
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JC International wrecked by credit score
There is a bit of back story to this....but to keep it (reasonably) short.... I have always had an excellent credit score. Then JC International Acquistion wrote to me last year in August to say I had a historic debt with SKY for £75. Now, I don't believe e this debt was mine. I contacted Sky and contested this with JC.…
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Can't open savings account
My wife and I have been using fixed term savings accounts for about 10 years now. We are both retired, mortgage paid up years ago, don't need to take out loans and the one credit card we have is joint with me as the named account holder. We pay the CC balance off monthly. Last week my wife's fixed account with Oaknorth…
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Default added to file - miss informed?
Hi, I’m hoping you can help me please? I have a loan with the post office and needed to miss 4 payments due to unexpected expenditure when I initially called up they said 4 missing payments would not cause a default to be issued only after 5 would this happen. Providing I phoned monthly to update them I was still within my…
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Clear score letter
I have received a letter from ClearScore which says that someone tried to open an account using my details but they have blocked this. I have never had an account with ClearScore. Is this a fraud or a marketing ploy. Do ClearScore send out letters like this?
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Getting fraud off credit report.
Hi, Hopefully someone will be able to help me with this issue I am having. Recently someone used my details to open a credit account in my name with the company Laybuy. The first i heard about it was a debt collection letter from MYCRS. The account is also showing defaulted on my credit report. The issue I'm having is…