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Compensation for incorrect credit information affecting mortgage rate?
I may be shooting in the dark but the more I think about this the more angry it's making me. I had an account with Three for many many years for an internet dongle device which my parents used for accessing the internet. I decided to upgrade them to broadband so they could enjoy more TV channels and access the internet…
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Don't know what to do next-can you help?
Hi All. Really struggling with BT and don't know how to resolve, can you help? Oct 22 we moved address. Contracted BT who moved us to new address. 3 months ago I got a letter saying I hadn't paid my last bill. Contacted BT - When they moved us they set up a new account and didn't close the old one at the old address. BT…
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Financial Ombudsman upheld complaint but Creation Financial Services not complying - What next?
A few months back the Financial Ombudsman upheld my complaint against Creation Financial Services and ordered them to correct the mistakes they had made on my credit file within 4 weeks and awarded me £250 in compensation. However, Creation have not fixed the mistakes on my credit file, nor have they paid me the…
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Vodafone declined (for £12 a month!) because of database error?
I recently applied to switch to Vodafone for broadband and landline but was declined. This has never happened before: I am a pensioner, homeowner, and have had two credit cards for over 20 years which I use regularly and pay off in full each month. I have never missed a payment on anything. I suspect I know why I was…
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Ladbrokes Reported Me To Gamprotect - will it affect my credit file ? !
I'm in a crazy situation with Ladbrokes and now worried that I will have negativity on my credit file. May I start by saying I certainly do not and never had a gambling problem - I don't even do the National lottery ! I am your once a year Grand National bet person - and I haven't even done that for 3 years ! It all…
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CCJ Against a tradesman
Hi I hired a garden landscaper last August, and originally he was meant to complete the work in 8 weeks!. The work is not fully completed and in January this year he liquidated his company. He has since been back to complete the work and the money left to pay is more than the amount of work required to finish. But the…
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Help Credit Experts Needed!!! Declined for Car Finance
Hi I have an issue, I have recently been declined for car finance, with a car finance provider whom I have had two previous finance agreements. I have checked my credit file with Experian and Equifax my Equifax score although I know is irrelevant is excellent and my Experian score was good although it has dropped to fair…
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Lloyds default for overdraft
Hi - newbie here hoping for some help/advice. My husband has a Lloyds bank account with an overdraft facility - he’s stopped using the account since we moved house as we use a joint virgin account. I was transferring money across each month to ensure the overdraft was covered but admittedly through my own fault forgot the…
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Credit club score tanked <700
I haven't used any credit score checker for a couple of years, after I'd got to the point it was always maxed out. So I was pretty concerned when I saw the MSE score had plummeted to 697, and confused too because in the last couple of years I haven't moved, changed mortgage or changed lifestyle at all. In fact my income…
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CCJ for someone not at my address
In January this year I was contacted By DBCL with regards to an unpaid parking ticket from 2021, for a vehicle I do not own , issued by Parking Control ltd , and I was not even on the country at the time . I have DCBL the address of the person and they told me that no further letters would cone to my address . I recieved…
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Credit Club - Wallet Workout
Hi there, is there any way to find out what causes a 0 % acceptance chance as I am not eligible on a product shown in the wallet work out? Thanks
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Does having basic accounts be frowned upon by lenders
Hi, i have a couple of basic accounts and a couple of current accounts. The basic accounts are from having bad credit in the past and nobody would give me a current account. I now have current accounts with nationwide and Barclays. I'm hoping to get a mortgage within 12-24 months and was wondering if having the basic…
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FYI - Yorkshire Water is reporting to CRA
Hi, in case it helps anyone, Yorkshire Water is reporting to CRAs. I found out the hard way. My then boyfriend had a really bad credit history so we kept all finances separate for this reason. All was ok, until we moved house and the letting agent informed YW and they created an account in both our names. Fast forward a…
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Difference between partially settled and fully settled?
Hi. So 2 years ago I had an account with Arrow Global and was paying £10 a month off a £1100 debt. I did this for 12 months and then the bank card I was using to pay this every month had its details stolen while I was at Alton Towers. Next thing I know arrow global had defaulted my account. I just left it which was very…
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Associate On CheckMyFile
Hi, I am a paid subscriber to CheckMyFile and have noticed their is an associate in my name. The search was conducted by Equifax, and confirmed by HSBC. I wasn’t sure this was possible in the first place for an association to show up in my name, and would this drop off after several months as I imagine this is affecting my…
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Will Debt Reappear
Hello, just a quick question any experts out there could help with please. if at the end of the 6 years a default drops off my file but I’m still paying towards the debt and I then settle the debt a few mo the later will debt reappear on my credit file? thanks
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Does credit score affect getting a job?
Hi guys I have just been turned down on my third job and wondering if my credit score has anything to do with it as I think my cv is quite good. Many thanks
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Pushing For Default
Hi all, Hope someone can provide some advice please. A couple of months ago I decided to move away from using Step Change who I used from 2019 until March this year. I've decided to self manage my own debts. Now all other creditors had defaulted me but Shop Direct had marked as Arrangement on my credit file. Since managing…
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Hard Search on Credit Report
Hi I received a warning that a hard search had been conducted on my credit report. I won't mention the name of the credit referencing agency. As I have not taken out any new credit or loan, and have not done so for many years, I became very concerned. My thought is that possibly somebody has stolen my identity. The name of…
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Question regarding the effect of missed payements
For the past three months now, I've had a negative streak of payements on my credit file (first an arrears notice on my student account for being over the agreed overdraft by 2 pounds, then on a utilities account that I'm an authorised user on). My question is simple, assume I go on a 4-5 month positive streak with the…
