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Letter or template regarding a default?
Hi guys I'm in need of a letter or letter template , my letter writing is terrible and I don't want to put anything down which isn't going to help my case !, I'm enquiring to sainsburys regarding a default I disagree with I contacted there customer service team and they said they are unable to locate my account or any…
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Will reducing my overdraft affect my credit?
Hi all, I am almost a bit embarrassed to ask this but here goes! When I went to uni, I opened a student account with an arranged overdraft. I think it started off as £800 and then they increased it to £1000. I want to clear this overdraft and it'd help if I could reduce it by half (I'd obviously pay what I owe first). By…
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RBS mortgage help
I had a joint mortgage in 2007 with a family member, the property was repossessed in March 2009. I want bankrupt in June 2009 and included the mortgage in my bankruptcy so I was no longer liable for it. There was an outstanding balance which the other family member still pays monthly for in an DMP. My credit file stateed I…
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Paying a partially satisfied full and final settlment to remove partial flag
Hi I owed £1072, and in May 2014 I agreed to pay £772 in full and final settlement this brought the balance to zero but meant i had a flag of partially satisfied. At the time I didnt really care I just wanted all my debt gone, however I am not trying to get a mortgage and been told the partial aspect of that may affect it,…
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Mortgage Default on credit file
Hello, I am hoping someone out there can help me. Back in 2006, I had a mortgage with my then partner. The relationship failed and I vacated the property in October 2008. I advised my mortgage company that I was living at a new address and was no longer financially paying towards the property. I asked them to duplicate any…
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Who are DFC
Hi, does anyone one who Debit Finance are. I used to pay my gym membership via this company. I decided to cancel my membership. I e mailed the gym and cancelled the DD but two days after the usual payment date I got a text message from them saying my DD was late and I would incur a late payment. I have e mailed them and…
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Default, is it my fault? Can it be removed?
I once had a lot of debt and a lot of issues that I couldn't resolve with the individual lenders. I was forced to use a debt management company just to get the interest stopped. All the debts are now clear/satisfied but I still have two defaults showing on credit report. I was paying the DMC every month and they were…
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Bank asking me to send a copy of my credit report?
Hi all, I am disputing a default that was put on my credit file much later than I feel it should have been. I wrote to Halifax asking them to consider changing the date and Lloyds have written back asking me to send them my credit file. I just wanted to check whether sending it them could cause any issues? I am not too…
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Will checking the file ignite the creditors
Hi Unfortunately my husband accrued some debt approximately 10 years ago. We are almost positive that the last contact about the debt or acknowledgement of it was just over 6 years ago. He's quite good and burying his head in the sand but I want to find out if he has any CCJ's. Would him conducting a file check with…
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Credit rating 861 - need help with credit card limit!!
Hi all, i've just completed my first ever credit score check with Experian as i'm thinking about applying for a mortgage. I had 861 which puts me in the 'fair' bracket, just 20 points off 'good.' There are 3 'negatives' pulling me down according to Experian, 2 of which are related as they refer to the low age of my credit…
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Trying to fix my credit
So as par for the course - I have poor credit. I am trying to build it back up and have a 2 yera plan to achieve not only a deposit but also some extra cash to go to Florida and also buy a car for a few thousand. I have some real horror stories on my credit file - CCJ - £2770 2 x Defaults (which are old student debt which…
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How will my credit file affect my mortgage options?
Can anyone give me some advice please. I have around £19,000 available to me on credit cards and overdrafts ( 2 overdrafts with same bank and 6 cards) I currently use about £11,000 of this and over the past 6 months have met all the min payments plus made extra payments each month depending on what I have spare. I am…
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Does she need his address
My brother split with his girlfriend about 18 months ago it was very sudden (she left him) and he was very hurt by it . I have had a random message from her asking for his new address to remove him from her credit file and also a text from my brother telling me not to give it to her. I still talk to her occasionally so…
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Disputing a very small old debt
Hello guys, I am looking to improve my credit file as best as I can, I have default, from Arrow Global on my file for £14 from August 20011, I think it was from an old mobile broadband account I had got for my mother (she couldn't take one out due to her credit at the time) and she may not have paid the final bill off. I…
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Soft credit searches
I've just used clearscore to see my credit report - just interested and not too bothered if it was good or bad. I'm curious to see two soft searches by GB GROUP-INT PROCESSING SERVICES in one month this year anyone know why? I've not applied for anything for several years.
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Paying debt off vs DMP/Bankruptcy
Hello. Hope I am posting in the right area. My OH and I had over 25000 gpp worth of debt, from the year 2009 onwards, some of it on his name, some of it on my name, over the last few years we have been worked really hard to pay it off. We are down to the last 1200 :j : However , last year I defaulted a Santanderrr loan a…
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Given bad credit
Hi all I had an student account with HSBC years ago that went dormant with 300 OD on it. totally forgot about it. but then i had been told by the people who's house i had rented before them that i had some letters. they were from hsbc saying that my account had gone into arrears and that i have now got a mark on my credit…
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Not paying late payment charges?
Hello I stupidly opened an account with Very.co.uk...to spread payments over a few months. Tried to log on (with right password) but wouldn't allow me to, then the reset password link never sent the required reset email to me. I couldn't make payment. I'm often abroad so need to pay online. Thus I was a few days late…
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Dentist debt help
My girlfriend just received a letter from a debt collection agency for a dentist bill of £18.50 which we believe she doesn't owe. 3 times in the past we have both had letters from this dentist telling us we owe money, every time we have challenged they have looked into it and admitted it was their error. The letter says we…
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Credit Score of 785, My Bank won't give me an overdraft
Hi All I'm a little confused with my credit score, I've paid off £6k in debt since 2014 when my ex partner left me with lots of debt, I had her dissociated with me and paid many things of entirely, I have an outstanding default from the waterboard of £480 and a HSBC disputed charges account of £524, a little over £1k total…