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Being taken to court by BWLegal
We have had several letters from a company called BW Legal over an apparent thames water bill they have seemingly brought. The only issue that the address of supply on the bill is not an address we have ever lived at (though we did once live on that street it was a completely different number) the date of supply is also a…
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Cifas marker from tenant referencing
Hi all, I have a question about a Cifas marker I have been made aware of, its validity, and my recourse options. Last year my lease was up and I had to search for a new place. This is in London so the options are not always the best and the process not the smoothest with availability etc. I found a place I would have liked…
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Single Father In Need of Help!!
Here is a doozy for you, Recently separated from Wife and we 4 have children. All the bills came from my bank. Now because of miss management of the bills by the wife when they get paid. Late payments have show up. This has now made it completely impossible for me to get any kind of credit even for a small loan despite…
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CCJ Enforcement Against Customer
Hello, I'm hoping this is the best place for this query. I run a vehicle storage business and have unfortunately got a couple of customers that have never paid an invoice, despite agreeing pricing and commiting to storage of the vehicle at the start of the term. In both instances, non-payment has now been ongoing for over…
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PayPal Resolution 'Query'
Good afternoon all. I need to raise a dispute through PayPal credit for an item I have returned which I am yet to receive a refund for. The only issue is that PayPal register a 'query' on my credit file if I do this. Does anyone have any experience of this as I am concerned doing this will cause issues with my credit file…
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Two defaults
Good afternoon, I have two defaults on my credit score which are mine. One is a store card with a balance of £774 and the other is car finance for £1,489. I am up to date with my credit cards (two) with a balance of £7,200 but am very near my credit limit for those. I plan to move back in with my parents shortly and should…
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Poor Credit Score - Should I Close down unused cards?
Hello, I have a really poor credit score, mainly from issues 5 years back, My score is still pretty tragic however I have "Collected" credit cards over the years, and now I worry I have too many open and it could be causing me more negative effects. Should I close unused cards? I understand credit utilization will…
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Historic Credit Card - Claim Form. What are my options to prevent a CCJ at this stage?
Hello, I received a claim form from the CCBC regarding an old debt from about 5 years ago on a credit card. I'd forgotten all about this, but this default has been sitting around for some time, and now the creditor has issued a claim form. My question is, what can I do at this stage to prevent a CCJ, aside from paying the…
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Ombudsman appeal approval
Hi, I've submitted an appeal to the financial ombudsmen for a credit default on a joint account I had been advised I had been removed from (see post: Default on joint account held with ex husband — MoneySavingExpert Forum). I've now submitted an appeal to the financial ombudsmen and they have confirmed as it's a joint…
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Credit file and British Gas Energy Trust
Hi, back in the autumn I applied for a grant to the British Gas Energy Trust. Further to the collapse of Neon Reef and the subsequent energy market chaos, I never got round to fully setting up my account with British Gas. The increase in prices left me with a large outstanding debt which I couldn't pay off. After 12…
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Identity fraud and credit report
Hello All, I’ve recently been a victim of identity theft and social engineering where fraudsters took out loans in my names etc. my bank and lenders are currently investigating this. One lender has said they can right the loan off but it will affect my credit rating for the next 6 years. Is there anything I can do to…
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Computer says NO
Years ago when Martin was singing the merit of credit score agencies I plunged right in with experian and believed it to be a good thing? Now that I am retired and do not have the thousands of pounds coming annually and with some missed payments on my credit cards I am treated like a pariah. If the companies that I have…
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Defaulted account
Hello and thank you in advance for any help anyone may be able to give. I recently checked my credit report for the first time ever via moneysupermarket and was surprised to note that I have an account in default . I looked through it and it is a debt that has been bought by a debt collection company in August this year…
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Experian have removed the vast majority of my accounts
A few years ago, I signed up to Experian and found that they had the wrong electoral roll address for me. I had them correct this and everything was fine. More recently I found that they've reverted to the incorrect address, so I contacted them to ask them to correct it, with evidence from the council. They sent me an…
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Experian credit score
Hi, I am looking to get finance for a car and I am looking at my credit report. When I check with Experian it tells me it is fair 851/999 but when I used the free apps like the one credit club it tells me it is very poor with 435/999. Which one do I trust? Both have the same details for me. I don’t want to ask for finance…
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Lantern debt collectors
My mum received a debt letter from lantern debt collectors at her address for me, now I’ve never lived at her address or taken anything out in her address so how this happening?
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Does a substitute of claimant form from court mean anything to me with regards to an existing CCJ?
Hello, Today I received a letter regarding a 4 year old CCJ which I’ve ignored completely, with the intention of allowing it to become statute barred after it drops off in 2 years. the letter today says “we have since made an application to substitute the Claimant on record from Xxxx to Xxxx. Our application has been…
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Basic to current bank account impact on credit file
Hello A few years ago, I made the decision to get rid of my current account after getting in overdraft debt. To resist further temptations, I decided to open a completely new account with no overdraft facility which ended up being a Basic Bank Account. I've been completely debt free for 4 years now & also have a bit of…
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Default showing twice, is this right?
Hello, On my credit report I have two defaults, one for Barclays Bank and one for PRA Group. This is for the exact same debt, shows the same default date and the same balance however it is showing two defaulted accounts. I feel like this will be causing me a negative affect and I have raised this with PRA Group, who…
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Do lenders hold data from previous hard searches?
Do lenders hold data from previous hard searches, and do they use this data in subsequent credit applications? Say if you applied for a credit card and were declined, and then a few years later you apply to the same lender, do they only go off your current credit file, or do they take into account data they received from…
