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Two Parking CCJs - 5 years old - Set Aside - Help needed
Hi MSE Forum experts I have been reading newbie forums and getting familiar with CCJ set aside process. Before i submit my application (n244 and witness statement) - i have few questions regarding chances of success. Background: Back in 2017/18 I was going through financial crisis and did not had enough money to pay these…
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LexisNexis soft search
Hi all, I’ve come across a very recent identity check and insurance quotation (soft search) by this company today. I don’t have any home or care insurance as I don’t drive and live with family. I’m not sure why they would have carried out any such searches. anyone got any ideas? I have read it can be price comparison…
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Help with credit check
I am trying to move my phone contract and I keep "failing" the credit check because my address is apparently not linked to the address I'm providing. I have contacted my bank, Experian and ClearScore who have all confirmed that the address linked to my credit rating is the one I am providing. I am at my wits end with this…
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To open a new bank account or pay £30
Me and the wife have been paying monthly to loqbox to try and improve our credit rating after paying off our debt. We have a remortgage next year and the wife doesn't want us to open a new bank account to get our money back. Our options are to pay £30 each to get our cash or open a bank account via them to get our cash…
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Recommended Frequency of Credit Card Applications?
I'm on a mission to get my financial management in order (I've no debts, a good credit score, don't need a loan or anything but I'm trying to focus on getting good value from my essential spending such as maximising Avios, or cashback if Avios aren't possible). With this in mind I got a Platinum Amex in late September,…
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I cannot log- in in my MSE Credit Club
I used to use a lot MSE credit Club to seey credit report, it was very useful. It has been almost a year since every time I log in (after writing my User and password) that I get this message: "Thank you for your application to Credit Club, we need to do some further checks to confirm your identity. This helps to ensure…
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Paying Your Credit Card In Full Can Still Leave A Minimum Payment Marker ........
...... In Some Particular Circumstances Looking at my MSE Experian report today and noticed a load of Ms on some of my credit cards. I thought this was weird as I always without fail pay the full statement balance, if there is one, by DD every month.As we are all aware, the minimum payment is something like 2% of the…
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CreditKarma Alerts Work !
Applied for a new CC this evening. Ticked "Accept a hard search" then clicked "Apply" and immediately had an e-mail from Credit Karma before the web page had even accepted the application. Well worth having for peace of mind. A pity all 3 free providers don't do it.
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Another soft search question, innit
Hi All I obtained an Experian credit account via the MSE Credit Club a couple of years back. All well thus far. Today and in response to an email from MSE CC inviting me to check my score, I logged in and found several entries in my credit search file made on the same date earlier this month. All the searches listed were…
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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…
