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Virgin Mobile Nightmare Issue
Hi there everyone, My friend came to me with this query and i thought i would post here for a bit of help. He had a phone contract with Virgin Mobile and after losing his job due to ill health he virtually had no money and couldn't afford the monthly price. Virgin mobile ended up disconnecting the services and said he…
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Should I register with CIFAS?
Hi all, Today I found out that for the second time fraudsters have applied for a credit card in my name (Amex first time, now Santander). The mailbox for my flat is outside, and I believe people can get into it. I'm positive this is how they're getting access to my details, as my name was spelt slightly wrong on both…
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Callcredit and Callcreditcheck
I know the £2 fee for a basic credit report is minimal, but I recently went on to Callcredit website to order one, when I was coming to the end of the process, my application for some reason has been declined. I sent Callcredit an e-mail which they stated I had not completed the full process so the money paid will not be…
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Defaults affecting mortgage
Hi everyone, first time post so hope this is in the right place! My partner and I are first time buyers and we have been looking at getting a mortgage. We have at least a 5% deposit at present and would be engaging in Help to Buy. I've had a copy of my credit file for a while and I have a little credit card with Aqua just…
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Full balance or settlement closure
In brief, Im on a debt management plan...... I know, once ive paid things off Ive 6 years 'bad credit history' However...heres the question, I'm in a position to start achieving pots of money to start paying off creditors, it will still take a couple of years but all the same...its positive progress. So.....whats best from…
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Partially settled and default
Hi All I hope you can help. I have a default registered in May 2009 that will come off my credit file this May I believe, as it's then been 6 years. There is still an outstanding balance and I am paying a small amount every month to clear this. I want to ask for a settlement figure which will hopefully be around 75% of…
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My credit scores vary with different agencies
Hello! I have read that credit scores aren't really worth much and I believe it. My credit score with Experian is 882 (Good), with Equifax it is 510 (Excelllent) and with Noddle it is 2 out of 5 (poor). On top of that, I cannot get anywhere near a half decent credit card rate with any provider, despite my good and…
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Mortgage after dmp
I've completed a debt management plan,but have 8 defaults on my credit file wich all will be over six years old and hopefully wiped in October. Just wondering will I be able to get a mortgage in October? , how quickly does your file improve. I've have a Aqua bad credit credit card showing good payment history for 8 months…
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Electoral Roll at two addresses conundrum
So I currently set my billing address for everything to my previous address at my mothers. She still lives there and happily picks up my post and sends it to me. I also visit there obviously and stay for short periods. But I live in London, and am about to move for the third time since being here in under 7 months. So made…
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Abbey/Santander & Credit Reference Agencies
I'm in the process of a house purchase and my mortgage has been approved by Abbey and offer letter has been received. I have checked all three credit reference agency reports and can see Abbey/Santander completed a search on Experian only. I own 5 credit cards in total, all with zero balances - Tesco, RBS/Mint,…
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Can you help? We've emigrated, not received the bills & now they are with an agency!
We emigrated in August to Malaysia and closed all utility bills. We had two talkmobile phone accounts and wrote to them in July giving 30 days to close and issue a PAC. When I called in August to use the PAC (to transfer to a new account) I was told we couldn't as it was an overseas account (bit daft of me to think it…
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Electoral roll as a homeless person ? Valid for good credit score?
Electoral roll as a homeless person Hello I know it sounds a like a silly question, but I am a lodger with a landlady and I don’t have a regular contract (I can’t ask for housing benefits as per her request, this kind of thing), if I sign up to the electoral roll as a homeless person will still be valid in terms of…
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Overdraft usage
I have a First Direct free overdraft of £250. i use most of it every month but i NEVER exceed it. I have around 2k in savings. i am happy with how i manage my current account but does using this overdraft every month affect my credit 'rating'. Obviously i could transfer £250 out of my savings into the current account so…
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Need a little bit of advice
I am currently paying my debts off and so far my CC and both catalogues have been paid and closed (not showing on my credit report yet but it will) I have an over draft of £2000 on my student account which is interest free until I finish my degree in 2018. I have been saving money and putting into rate setter and loaning…
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late payment with studio 24
I bought an item with studio 24. Searched high and low for it for Xmas only to find this crap company had it. So I applied and they accepted so I got the item. Filled out bank details etc etc and waited for the money to leave my account... and wAited... item arrived so presumed they would take money out. I was surprised to…
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Refused credit with Vodafone but have very good credit score?
Hi everyone, Today my boyfriend went to take out a new Vodafone phone contract, however he was refused credit and Vodafone couldn't say why? He's currently with EE and to cut a long story short, in 2013 hackers took out multiple business accounts out in his name/address and racked up hundreds of pounds on his account. This…
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EE credit check for Broadband and landline phone
I am moving house and Virgin, my current supplier, who I have been with for more than 20 years do not supply my new address. So I have had to swap to EE for my area fibre optic, Sky do not do it but I am getting the TV from them. Sky just automatically say they are supplying it but EE are doing a credit check. I had been…
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Removal of account if not UPDATED for 6 years..?
Many years ago, my name was on a joint Halifax account with my ex-partner, with a £1,000 overdraft. I never used the account as I had my own, but I know that is lawfully irrelevant . We entered into an IVA in 2007 (again, nothing to do with me - my debt was less than £1000, his was over £20k..!) - but I was 21, stupid, and…
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Paying off DFS sofa credit early?
Hi Is it possible to pay off the credit on a sofa my OH got from DFS. I looked on their website but it just says how you can take out credit etc with them. I'd rather pay it all off now so there's nothing owed when we apply for a mortgage. Any help gladly appreciated
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Poor credit affecting spouse
I have a really poor credit raing and my husbands is excellent. Its something he doesnt know about and that I am trying to put right without him knowing. He has known in the past that I have a poor credit history and for that reason we are not in any way connected, as in we have seperate bank accounts, mortgage etc.…