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How to rebuild credit history
I've lived abroad for 16 years and am thinking of returning to the UK in the next few years. My question is, how do I rebuild a credit history as I understand that my credit file will have been wiped clean after all this time. I have a UK Santander instant saver account and pretty sure I could get a basic current account…
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Cabot Chasing Credit Card Debt from 2012
Hi I received a letter from Cabot stating that I owe £7126 credit card debt. I sent them a statute barred letter and they replied saying that a CCJ that I was totally unaware of, was issued in Jan 2015 and statute barred does not apply. They also tried to serve an attachment of earnings at the same time, but this was not…
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Shell Energy Appeared On Credit File
Morning all, Checked my credit report this morning to discover Shell Energy has appeared on TransUnion and Experian reports; I am not nor have ever been a Shell Energy customer. The entry is listed as dual fuel, I have checked with my current supplier Octopus Energy (who were exceedingly prompt to respond to my email) and…
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New bank account but wrong date of birth on application.
Hi looking for some advice, I decided to change my bank to a different one and did the application online I also took out a credit card with the bank as well, everything was approved and then when I made a phone call to customer service about something they said that my year of birth was wrong and would need to go into…
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Credit scoring
Hi -can anyone kindly assist me with the below quandary? I currently have 2 credit cards one with a balance of £10k (0% balance transfer card) with a limit of £12k so £2k headroom total the 2nd card balance is zero with a £15k headroom. As I like to keep my finances tidy I was planning on closing the zero balance credit…
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Credit rating hit due to o2 scam
I received default letters back in April 22 regarding payments owing on a o2 mobile phone account I had not opened. I am not even an o2 customer! I rang them promptly to alert them to this and they assured me they would look into it. I received a further default letter 14 days later and called them again to be reassured…
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Post redirection - is the previous owner of our house still using our address?
When we purchased our current house in Nov 2019 the previous owners and their children were very slow to change addresses. They paid for the minimum post redirection period but then we continued to receive DVLA, credit card and tax documents etc for at least 18 months. Initially, we told them by phone or email and they…
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Best thing for unused credit cards?
Hi ... I wondered what I should do with unused credit cards please? Is it affecting my score badly even if the balance is zero? I have cleared a couple and wonder if I should now cancel them? Many thanks you lovely forum members
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TransUnion credit factors and Credit Karma
Hi, For about the last year I've had a TransUnion credit score of 691 out of 710 but this is based on what Credit Karma are telling me. Credit Karma is showing that there's nothing more I can do to increase my score. It's been like that for months. There's nothing negative on my report as far as I can see. I've emailed…
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CCJ set aside by consent time frame
Hi, It has been agreed by Welsh Water that a CCJ they incorrectly got awarded against me by default should be removed They sent out the consent form to sign and return to them, and they are filing it with the court (I'm assuming Northampton CCBC Does anyone have an idea of how long this process is likely to take before…
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Resolve call disputing proof of debt letter
I downloaded a proof of debt letter, sent it to resoovecall they have now responded saying “unfortunately it has come to our attention that there are certain websites purporting to provide information which will allow users to avoid repayment or discussion of debts. It appears to be a letter of dispute but simply lists the…
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Snoopers into your credit ratings
LV some weeks ago, went and did a soft search on my credit score. I have a policy with them which is due for renewal. I have made no claims on the insurance, and I pay annually. I have also found over recent days that Royal Bank of Scotland has also done this. No explanation, no reasoning, no request for my permission to…
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Cabot - Northern Ireland
Hi, my debt was sold onto Cabot in 2017. It is showing on my credit file. I have never engaged with them. I live in Northern Ireland. Does anyone know if 'statue barred' applies here in relation to this. I have read reviews about Cabot whereby people have paid them back but the default still showed on the credit file as…
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Default by Three on phone account I thought had transferred to my ex
A default has appeared on my credit file for a phone contract taken out 12 years ago which I thought had been transferred to my ex about 10 years ago. The contract was in my name originally and then we split and I transferred the contract to his name (so I thought). There was a phone call between me, my ex, and someone…
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Phone contract on parents address
I’m 18 and would like to get a phone on contract I’ll be paying for it and it’ll be in my name but on my parents address my my dad is worried about if he takes out a mortgage and some other things if I take a contract out liked to his address Im also going to university this September and wanted to do it before I leave…
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Barclays mistake nightmare and credit report / rating
Good afternoon , I had hoped this situation would be resolved by now but sadly it hasn't. Sorry this is so long. Over the last 18 months we sold some funds from our ISAs and paid down some of our mortgage. We only had just under 4 years remaining but wanted to lower the monthly repayment as I had only been working part…
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3 credit checks for a sim only contract
I applied for a contract with carphpone warehouse sim only on a 30 day rolling contract it appears 3 searches have been done seems a bit excessive
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CCJ Set aside with consent - process & time scales?
Hi there, I have a CCJ that I thought I might be able to get set aside. I raised it with the solicitors who originally made the claim against me who went on to make an application to the court to have the CCJ set aside, by their consent. They informed me they had made this application to the court on 22/10/2021. Does…
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CCJ for a vehicle that was sold...
I sold a vehicle to a friends nephew in October 2020. I didn't fill in the V5 but I did get a signed receipt with date and both signatures marked sold as seen etc etc. The buyer took the vehicle straight away to get it repaired. The bill from the garage was about £750 or so. I don't have the full details but the bill now…
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Another CCJ post
I am a landlord of a property and earlier this year i served a Section 8 G8 to a tenant for rent arrears. The courts finally issued a possession order with money order in May giving the tenant 14 days to pay the arrears. Obviously this hasnt happened My question is that the arrears is now significantly more than it was in…
