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RBS closed account showing on my credit file
Hi I had an rbs account in 2008 when I was a student and was pretty rubbish with money. They closed the account whilst there was a balance outstanding and I paid it off in instalments up until about 3 years ago. I have just checked my credit file and can see that there is an outstanding balance of £39 (not disputing I owe…
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Collection agency?
Hi , Hoping someone on here will be mother knowledagle than me. In April this year I bought my daughter a bed from argos, I paid via PayPal and the money was debited from my card. I received the bed 3 days later. In early September I received a letter from toysrus stating I hadn't paid for the bed and they were instructing…
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prosecution/legal action
Has anyone ever been a QVC customer and been prosecuted or had any legal action taken against them? If So, what was the outcome?
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Moving for the first time... Can I do this?!
I've been living on my own since I was 18 quite happily plodding along with life but it's time to move on to something bigger & better so London here I come. It's a month before my move and I'm a bit confused what I should be doing about changing my address. I have taken a room for a year but after that I don't know where…
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How does Car Leasing affect credit report/score.
Hi, Hopefully I have put this in the right forum section, I have searched around and can't find the answer I'm looking for. Basically my car is starting to fail and there seems to be a lot of things going wrong with it and its almost cost half what I paid for the car to fix over the last few months. I'm thinking of getting…
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Bad Credit has ruined my credit report
Good Morning All I am having a bit of bother with my credit report; I took out payday loans for the past few years and normally I would be able to repay them on time with now fuss. I know people say DO NOT TAKE OUT THESE LOANS, however with promo codes, customer loyalty discount and the like it wasn’t actually that bad.…
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How long to wait after CCJ drops off file?
Hi all, I have a CCJ that drops off my file next month which will leave me with everything else positive on my Credit File: Phone - Satisfactory (opened 2003) Current Account - Satisfactory (opened September 2012) Credit Card - Satisfactory (£20 balance, £3000 limit open 2006) Gas - Satisfactory Current Account - Settled…
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Does opening multiple current accounts affect your credit score?
I currently have a Nationwide FlexDirect current account which has come to the end of its 12 month 5% interest rate. A few months ago I closed an old NatWest current account which I no longer used. I am now considering opening a new current account. As I have been with Nationwide for over ten years and have a credit card…
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Registered Default Dates
Hi, I am hoping someone can give me some advice or has been in a similar situation to me and can tell me what happened with there case. I had defaults registered in 2000 and 2006 against me, since then Lowell bought the debt and Re-registered the defaults in 2011. I have now paid both defaults off in Full without making…
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Credit scoring/ rating process
Hi all been searching the net for some answers without luck so hoping sombody can assist me.Im currently in an iva with just 3 months left to go before completion and after advice and some answers. Does my credit score still rise/fall during iva as im paying all my bills/direct debits on time but not seeing any increase in…
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Barclaycard left open for 4 years
Hello I am sorry to have to post this given that I am not an active member of the forums, but I am seriously stuck and don't know who else to ask. If anybody would be able to at least point me in the right direction I would be most appreciative. I took out a Barclaycard credit card back in 2005 and believed it to be closed…
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Wonga wiping debt: Will my default be removed too?
As title. Hopefully those with defaults from Wonga will be wiped too, or is the situation as 'cut and dried' as that? The default is under a collection agency 'Gothia' who then sold it on to 'Motormile Finance'. There are two defaults riding on this, although I'm aware that I shouldn't be defaulted twice and am in the…
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credit file
Hi guys i have changed my talktalk broadband few months ago and now im with sky. but today talktalk sent me a bill its about £200:mad:. what is gonna happened if i dont pay them? is it gonna be bad for on my credit file? :beer:
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EE default put on by mistake ruined my 5/5 credit score
HI guys found out 3 MTHS ago that EE dropped a default on my account,been on there for two years.Only found out when I applied for mortgage with hsbc and they bounced it out.The default was put on error EE have taken it off but I'm thinking I'm I due any compensation for them ruining my credit rating for two years. Anyone…
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how long
I know defaults and the like stay on for 6 years but is there a period less than this where say a mortgage company would view them as historical enough. Basically I split from my spend thift wife 2 years ago and have just about finished clearing 10 grand of debt. Am I going to need 6 years of good behaviour or will they…
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Credit card account defaulted two years ago has only just closed
When I was younger I foolishly took out a student credit card with Natwest to help me through university, but things got a little out of hand payment wise and it ended up defaulting. I received a letter requesting payment in full for the outstanding balance and immediately paid it, assuming that was the end of it. I know…
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Challenging 'partially settled'
Hi all I had a debt with Bank of Scotland, which I defaulted on due to unemployment in late 2009. I called the 'solicitors' (I assume they were actually internal to HBOS as per) to pay in May 2010. I asked "how much do I owe" or "how much do I need to pay", looking to pay off the balance, was given a figure and then paid…
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Late CC payment
Hello all, In a few months I will be looking at getting a mortgage and buying my first home. I've always been a good borrower - always on repaying time, more than minimum payment. I've got about £18k of unsecured debt, which is about 50% of what's available to me. I reduce the debt by about £1500 per month, consistently.…
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Ccj at wrong address
Recently I have been refused credit and could not for the life of me work out why so checked my credit report a d found there was a ccj from may this year on there? After a little digging I found that this was from a electricity bill at a rental property I own. I have found out that is was relating to a empty period so I…
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Mortgage Payment Holiday on credit file
Hi Everyone, I'm looking for a bit of advice and hope you guys here might be able to help please. Recently I've applied for a remortgage and a new credit card to transfer my existing balance - and unfortunately got turned down for both :( I checked on Noddle and have a fairly respectable 3/5, but couldn't understand why it…