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    • it will be mainly voters and the fact you have changed address on everything too. nothing you can do about it sadly ….   usually takes a month or two for things to settle themselves
    • I only just signed up to vote, I have never voted before, but I've never had a problem accessing my credit file in previous years, it's like it's just been deleted?    Here's a message from another credit check place I found.   I have just moved in the last month but my bank account, new address etc are all up to date and I literally called everyone when I moved, internet, electric, gas, mobile contract, bank, everyone on the day I moved here,   When trying to get my credit report I use my new and previous addresses.   Here's a message I got ...... Why have I been unable to access my Credit Report? When completing the authentication process for access to your credit report, you will have received one of the following in-product messages to indicate why you have not received access: Thin File This means there is currently not enough credit history information held in your TransUnion file for us to produce a credit report. You can find out more about how to build your credit history in our guides. Not Found If you have not been found by TransUnion, this does not necessarily mean you do not have enough credit history or that you have poor credit history. This simply means that with the details you have provided, TransUnion have been unable to accurately match you to a credit file. Check over the details you have entered and make sure all financial accounts are up to date. If you notice that your Date of Birth, Name or Address have been filled in incorrectly, you can update this information on your account and this will initiate a new search with TransUnion to locate your credit data. Please note, a new search will only be initiated if you change your Date of Birth, Name or Address. Therefore, if you have since updated your information with public bodies or your financial accounts to match your current account information, we will be unable to initiate a new search and you may need to close your account and re-register. Failed If you have failed the authentication process then unfortunately we have been unable to provide you with your credit report. As per TransUnion policy, we are only able to provide customers with two attempts to access their credit file data, after which they will be unable to access their data through our service or receive a TotallyMoney credit report.  
    • I was going to suggest cooperating with her over the letter copies so as to look good in court, but on further consideration BazzaS & SuperVillain are right.   However, to make it easy for the judge and to show her up in court I would tweak the letter and add that this is the third time you've asked so that the expert can be "jointly instructed" and you are anxious to move things on as the two of you are already beyond the court's deadline.    You are writing to her but in a certain sense you're writing "to" the judge and what you are writing needs to be concise and follow the court's instructions - unlike her gibberish.  
    • Is there still chance to submit my defence as it is the 20th final date for submission?
    • you should have entered nothing.   this is why its so important to read instructions and other like threads carefully.    
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I am at my wits end - any and all advice would be greatly appreciated.

 

In my youth I was an idiot (25 now) I got into the trap of credit card then more then loans to cover the cards then loans to cover the loans.

 

I have between 13-15K of debt across multiple cards and loan companies.

I was barely keeping my head above water and then I was forced to resign due to my mental health and subsequent breakdown.

 

I am prescribed meds

- see doctors weekly

- under psychiatric care etc.

 

 

I am claiming ESA (first benefit in my life)

however my debts are approx £850 month and therefore I cannot under any circumstances afford to pay.

 

I have tried StepChange but the results were rather confusing

- saying I am un-eligible or do not fit any criteria.

 

So please...Any advice on my situation?

 

I am beyond disappointed in myself

- and would love to amalgamate all debts into one 'affordable' monthly payment.

 

Thank you in advance.

 

JB

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well don't be embarrassed to ask.

 

 

I don't ever be embarrassed about dealing with it head on.

the only winner is you!!!

 

 

firstly, its best to look at this from an outside point of view....i'e the way the financial world sees 'you'

 

 

go get you credit file

noddle clearscore Experian etc

and tell it what is shows...

 

 

please DONT EVER go rushing into writing this or that

so settling this or that...

lets SEE what is really out there.

 

 

credit file please!!

 

 

dx


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This is far from insurmountable, you control what they get and no-one else.

 

If your only income is social security, then the maximum amount you will be demanded to pay is £1 a month.

 

However, please list who the creditor is, how much is owed, and who is chasing you for payments.

 

Plenty of really good help, and advice, you're in the right place.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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