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Debt collection letter but not ours
This is a bit of an odd one and I’m not sure whether to be concerned or not. We’ve received a few letters lately to our address but for the name of someone who doesn’t live here. The address is correct, name wrong. We’ve lived here for 10 years and bought the house from new so are the only occupants ever. The name is not…
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Good credit score but turned down for credit cards
If ever there was an example of how pointless these CRA credit scores are, this sums it up perfectly for me. Effectively over 95% score, yet marked 'very weak' in the affordability assessment. I've never missed a payment in my life and have plenty in the bank, but am stoozing as much as my credit limits allow (was roughly…
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Should I pay for a service I don't have to keep my credit score?
I've had issues with my credit score over the years but for the last 2 or 3 I have got it back to where I want it. The problem is, I cancelled my son's contract to O2 in January. Its a 2 year contract and came to an end in Feb 24 but I knew I had to give 30 days notice. I was on the phone for ages getting this sorted as…
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Southern water ccj
Does anyone know how to get hold of the civil court business centre ? Southern water sent my debt to here whilst I was in breathing space and give me a CCJ . The only reason i am aware of this , is because they forwarded the debt to another court called Highcourt writ Recovery which I did receive a letter from , i…
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PCP and credit rating/history advice
Hi all Wondered if anybody in the know maybe able to advise. 6 years ago we got into a lot of debt trouble and myself and my wife went down the IVA route. We cleared the IVA early (after four years) and have been building our credit ever since and saving towards buying our first house. We are in our early forties so time…
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My name and address has been stolen to setup a fraudulent Laybuy account,
Hi all. I am being chased by a debt recovery firm over a £320 debt made with Laybuy. I have never heard of Laybuy until this summons came through, never used them, never used their app, but says I have an account with them which was setup on November 26th 2023. The thief has made 4 separate orders from that date, and the…
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Creditkarma
I’ve just
been looking at my account with Credit Karma and a couple of things have shown
up I don’t understand. OK I know these are only soft searches but I don’t know
why they are on my report. The first
is: LexisNexis (IIL) Insurance services and the second is: Raisin Platforms LTD
(CVAL) I.D check for credit. I have…
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Onfido verification
I was asked to use this to open a savings account with Investic. I was a bit nervous not having used it before, but succeeded in using the QR code etc. and scanning my ID and uploading it. I needed then for me to take a self-photo. Which I did checking camera settings, took photo but the process then stopped with no…
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Default removal agreed but still shows after 3 months
I managed to get my water company to agree to remove a default, and my credit score shot back up on my Experian account pretty much straight away. I was told that it would take 6-8 weeks for my default to be removed, and I can see on my multi-agency credit report that it's still showing on Transunion. It's been almost 3…
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Credit before Moving to UK?
Hello all, looking for advice on if there is any way to get a junp start on credit before moving permantely to the UK. Currently in Canada not movning until next fall. Have an address in the UK and citizenship if that matters at all and a UK number (no a full local contract). Is there any bank account I can open or…
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Crediva CRA Statutory Credit Report
Has anyone ever requested online a SCR from Crediva, seemingly touted as the 4th of the "Big Four" CRAs? Have to say I'm very sceptical about them (but then I'm easily spooked!). I completed the online application fully with all requested information and accompanying ID (screen caps / prints taken as usual) and got the…
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Mystery Address Acquisition??
Hi all, hoping you can help. I just logged into a credit report app and it asked to confirm my address, suggesting an old one, a new one, and MY FRIEND'S ONE!! Saying 'based on your last credit report'! My friends address is the one I'm registered to with my GP, because I moved town but have a lot of chronic health issues…
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Late / Not Late .. disputed credit marker
Hi all. We had some family health issues last September so I contacted our mortgage lender and asked them how late I could pay before I got a late marker. They told me that provided it was paid by the end of the month, I wouldn’t get a ‘late’. I paid on the last day of the month, when I got paid, but still got a ‘late’…
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CCJ dates - little confused ...
Hello - I am dealing with a letter from Cabot which states they have a CCJ for £440.00 for my wife sent to an old address ... OH is unwell so I am helping her ... They state the CCJ was obtained 05 April 2018 - so would the CCJ die off today ? or ? I know they dont die CCJs (even those unchallenged sent to an old address)…
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CCJ/Consent Form Help
Good Afternoon Everyone! I have been given a CCJ for an overpayment in a previous job, which i accept. I was disappointed I got a CCJ because it could have been avoided if we put a payment plan in place. The ccj was put on my file in November, I have been paying the ccj back to the company, they have said once it is fully…
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Credit file and defaults
Hi all. Wondering how and when my credit file will be better...I have a bunch of defaults due to drop off this year. Since this period of financial hardship/health issues when I was served the defaults my income has doubled and I actually have a healthy savings pot. I've linked my bank accounts to Experian hoping this will…
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HSBC changing default date on credit file?
Hi there, I defaulted my HSBC credit card in 2017 due to significant ill health at the time. It was registered as a default (along with a few other accounts) with a date of 01.03.17. The account was sent to a debt collection company and I'm still making repayments to clear the account. Last year as other defaults started…
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Loan company admitted error - CCJ removal
Hi all I am currently in the process of sorting out my debt mess and making great progress, thanks to advice and posts from here. I'm in such a better place. At my lowest, I took out a loan with money boat who are no better than the pay day lenders of old. The initial loan was for £800, and spiralled to me owing them…
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Default date discrepancies
Hi all I went on a DMP in Feb 2018 after falling on hard times due to changes to IR35. Long story short, I had 5 credit accounts and 3 of them registered a default in April 2018, 1 in Dec 2018 but a FOS decision made them change it to April 2018. 1 account just didn't register a default at all but rather just late…
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Late VS Missed payment
is a missed payment when I’ve missed the due date? If so what is a late payment