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Direct debits affecting credit rating?
I recently applied to rent a flat and although all my references did go through okay my credit rating came back as bad. I can't quite understand this as I've never been late on any phone payments or credit card payments. The only thing I can think is that I recently realised that I previously had a standing order set up as…
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Help on Mortgage debt for Child
Hi there, One of my kids is in the middle of a particularly messy separation that has been going on for three years now and delaying tactics have meant that they are only going to court now to get agreement on access and custody over their children. However, in the meantime, there is debt accruing on the mortgage and i…
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Default on file - advice/feedback please
I defaulted on an unsecured loan in Jan 2020 & it was sold out to a debt collection company called 'Interum' in Feb 2020. Since then, I've been paying as much as I can afford each month, alongside extra amounts as & when I can afford to. The default's due to come off my file in Jan 2026 and we're expecting to have the…
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American Express Debt & Not Defaulting
Good afternoon all! New here!, After much deliberation over asking for some advice I've finally worked up the courage to ask! I've 3 old debts with Amex, one for £700 which has defaulted, and two others for about £2300 which haven't defaulted. Last payment on all accounts was in June 2019, and I wanted to know how long…
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Letter about CCJ for minor car accident
Help I've had a letter today from a solicitor about a car accident (in a retail car park) in 2018 I told my insurance company about it (fleet policy), I got my car repaired £600 not through insurance and I've heard nothing since! Until today, I've had a letter from the other drivers solicitor telling me that they are…
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CCJ questions I need answering please
Just curious , I understand a CCJ stays on a credit file or a maximum of 6 years then
falls off. If the CCJ is still not then paid off at the 6 year stage is it
still accessible to view by potential lenders/creditors ? Also, if I am say, applying for a loan or a mortgage do I
need to still declare it or declare I am still…
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Checkmyfile.com..degree of difficulty when cancelling
I need to sign up and provide my credit file to my IFA and he recommends checkmyfile.com. Not free after 30 days but I need it as a one - off so will be cancelling before the 30 days are up Anyone with any opinions on difficult it was to do that has been through the process? Thanks
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Debt Collection
On March 8th my Son (Who has Autism) received a letter titled Arrears of CCJ apparently in Summer 2021 a CCJ was filed in a court. We have lived at our address for 9 years and we have not received any letters regarding debt or going to court. I typed with my son and sent (on March 14th) to the solicitor company who sent…
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N443 and ccj question
Hi there, I received a ccj after a parking ticket fine was issued to an old address as was the court issue. I have paid the ccj as I was in the wrong with parking just didn't know about it. the ccj hasn't been removed from my record despite the debt being paid within 30 days. if I want to send off a N443 form do I need to…
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Does freezing credit card interest affect credit rating
I have been googling this and looking here but I cannot find a concrete answer to this question, will asking to freeze the interest on my credit cards have an affect on my credit rating? My OH's business has been slowly failing and we ended up relying on credit cards to make ends meet, we are now at a stage where they are…
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Hard Search and Technical Issue
hiso applied for finance online and it got aproved but then the stupid company has had technical issues and is wont let me login or sign agreement so they just saying they cant do anything and I need to re apply. However it will be two hard searches in 24 hours on my credit file!! Is there any way around this or do I need…
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Ccj
So just a quick question I hope to move house next year we want to sell to hopefully buy a bigger house this ccj is 9 years old I pay £20 a month and has fallen off all credit agency files. so when it came to filling an application if the question was have you had any CCJs in the last 6 years my answer would be no right?…
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Son has Vodafone default - believe unfairly?
Good afternoon all, Sorry but I’m a bit on a limb with this one and hope someone can please help. My wife and I gave my son and his new husband a lump sum about 6 months ago to help them purchase a new home. They will be taking out a mortgage. Unfortunately; it appears when looking at his credit report that Vodafone have…
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If credit scores are irrelevant why have them and why no transarency in calculating and credit?
Hi all, I am just trying to get my head around why these fake scores exist and why there seems to be no transparency when it comes to calculating these so why have them? this is very misleading when it comes to portraying chances of obtaining credit and should be removed as it will only encourage people to make hard…
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Eon Equifax credit rating
Eon have marked my Equifax credit file as adverse because of a metre reading error. Equifax raised a case but Eon declined it without checking the circumstances of the case. The metre is sited in a building plot and is not connected to a property and they just estimated high metre readings and billed me without my…
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Problems with MyJar and ACI
Hi all, As you may be aware, MyJar fell into administration and for the last 18 months have a had a complaint from me with regards to affordibility etc. As part of this process, they agreed to remove the loan from my credit file along with it's associated default. I had a letter today from ACI who I assume the debt has…
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I have a CJJ without them giving me notice.
Hi all, I am looking for advice. Around 2020 I was given 2 parking fines in the same spot which I contested due to having permission to park there. In 2021 I went through the proccess of giving my defence statement as one of the fines was set to go to court. I have now found out the CCJ has been applied back in November!…
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Change of Address and Applying for Credit
HelloSo I currently been pre approved via soft check for finance for some furniture.I am completing on my flat purchase Monday and my funds were released today.However as most places require the billing address to be same as delivery it means I need to update all my bank and credit card addresses to my new address. Would…
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Credit rating fallen
HiI have done a soft search on a couple of the recommended 0% credit cards andwas very surprised to be told I had little to no chance of getting any of them. Ove the years I've followed the MSE mantra of balance transferring and never had a problem.I have just checked my credit score on the MSE Credit Club and was shocked…
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Parking Charge Notice and CCJ
I recevied two parking charge notices dated June 2019 from a private car park (not PCN's from the council) I was of the understanding that these were not enforcable, so I ignored them. They usually just stop bothering you after sending a few letters from experience. This one is different, they have pursued this through…
