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Help CCJ issued unknown to me in 2014 I was overseas
Hi I was overseas and whilst away an old debt had a ccj issued against me having moved about 6 times in those years previous to 2014 I still am not sure where it was issued. I moved overseas in 2011, Having returned Lowells are chasing me for payment of 6000 pounds that I have no real recollection of. I think my ex wanted…
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Credit rating tanked because of finance refund error
Looking for advice and not sure if this fits in here.... Bit of a long story but I'll try and keep it as simple and to the point as I can. I traded in an old car in 2020 and the dealer settled the finance. The following month the finance payment came out and the finance company advised me to contact my bank to do a direct…
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Compensation requested for CCJ in Error Delayed the Job Offer
An organisation applied for a CCJ against me, after not using the correct address to serve details of a bill. As I was unaware of the bill, the bill was left unpaid. Once I was aware of the CCJ following a review my credit score, I pad the bill and informed the organisation that since they had not used the correct address…
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Bank account not on Experian credit report
Looking at an Experian credit report, a current bank account from RBS (about twenty years old and still used) doesn't appear. The Experian website says that it's the responsibility of the bank, and RBS say it's Experian. Does anyone have any suggestions?
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Help with credit application declined due to car dealers error.
I recently put a deposit on a new car. Done the application for the credit etc (which I've worked hard on for ages to get in a very good place) All went through and accepted. Then fast forward 1 week later to the day before car handover. The dealer put another application through in my name (without my permission) because…
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Smart Credit Ltd
I have recently registered with a Credit Reference Agency and can see that a company called Smart Credit Ltd carried out 4 searches on one day in July, and another on a day in May. Having searched for this company on the internet I don't seem to be able to find out much about them. I have no idea what these searches were…
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Unrequested Vanquis soft search
I joined MSE Credit club and for the first time, I looked at the soft searches.Apparently Vanquis did a soft search on my credit file earier this month.I don't remember any situation where I would have requested this.A few months ago, I think I did an elegibility check to see if I could get a Vanquis card but I think that…
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Default notice question
Hi, Just a quick question, I was on a dmp via stepchange which ended july 20 (started dec 16), however I noticed on my credit score via my bank that santander had put a default notice dated oct 19. Says it will remain on my score until 24 (or maybe 25). I thought it would have started from when i originally defaulted. Tia
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Overdraft missed payment markers
Hello, Can't seem to find much on overdraft/CRA issues. I entered an unauthorised overdraft 3 months back with Virgin Money on my current account. I had the money re-enter my account from a previous days rent payment and other things and had a couple of private medical bills threatening legal action (I'm recently on…
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New Account On Credit Report - Even after Cancelling within 14 days
A number of months ago, I decided to try using what I thought was a pay as you go sim card for data. As it turned out, it was a pay monthly account I opened, which included a hard search and a new account on my credit reports (from all credit scoring agencies). I very early on realized this was not the SIM card for me, and…
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UK commits to reform of the Consumer Credit Act
Plans to modernise consumer credit laws to cut costs for businesses and simplify rules for consumers have been announced by the government - UK commits to reform of the Consumer Credit Act - GOV.UK (www.gov.uk)
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Credit rating following Covid lockdown
I have two points I would like to raise. 1) She is using a financial "advisor" who has
already fleeced her for £250 for nothing, the mortgage offer is still not in
place. I did not think that these people charged for their services and made a
living on commission from lenders. 2) She is self-employed and had a car on…
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Frasers Group Financial Services
Does anyone know anything about this company. I’ve now had two hard searches by them appear on my credit file. I’ve dearched online for information about them but all I can find are some news items and Companies House records. I haven’t applied for any credit. Yesterday I bought some foreign currency online with John Lewis…
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Help needed - Text message from CreditStyle/CST Law
Hello, I have received text messages (no letter) from creditStyle/CST Law asking me to contact them and quote a reference number. I am not sure what to do - there is no explanation as to the topic and I am wary of calling and giving them my email address or home address. I am not aware that I have any debt or unpaid bills.…
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Hard seraches....bad ?
afternnon all I got declined a increase in my credit limit on my Halifax card due to apparent amount of hard searches on my credit report causing a drop in my score so for the first time in about 5 years i have obtained my credit report ( via Halifax ) and had a look at these Hard searches Search number 1... May 2022 0%…
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I can't get my credit score
For the 1st time, I've tried to get my credit score online. None of the sites I tried (excluding ones who want a Free 14/30 day trial as I would forget to cancel it) seemed to recognise me - won't accept an accurate e-mail or they ask me security questions that don't even apply to me. I am on the electoral register…
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Cifas marker
Hey Guys, Hope you're all having a lovely day. I'm writing to get your views on a matter that I'm currently dealing with. Basically, I got a cifas marker on my account purely because of miscommunication that led to confusion which made my friend that sent money into my account file a complaint to their bank for a fund…
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Rating took a big hit!
Has anyone had an experience like this? My Experian score has dropped over 100 points. All I've done new is spend below 25% of a new credit card limit and paid bill on time. Its a new card and its the first time I've got a ny credit card reporting to my file. Weirdly my Credit Karma score improved at the same time…
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Revolut account under review
Hi, was just wondering if anyone else has had this with revolut? I set up a revolut account, was going to use it for night outs, transfer money in to it to use for things, I also used it to keep separate from my main bank to help me budget better. I sold my house and I started selling items, mirrors, ottomans etc etc so I…
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Anyone Able to help me with CCJ
just signed into my credit score and noticed a CCJ on my file from May. to my old address that ive not lived at for 3 years. Im thinking its from HSBC but i dont know there is no info on it. I have been ill and out of work and in and out of hospital what options do i have now? the amount in question is 1559
