-
Can a CCJ be linked to a default
Hello, I wonder if anyone can help. I have a CCJ on my credit report, I'm pretty sure I know the company it's for. I also have a default for the same company. I was just wondering if the CCJ could be the result of that defaulted account, or if the CCJ would cancel off the default it originally was? I'm clearing up my…
-
Paying Defaults
Hi I could do with your thoughts about my situation & what I could do. In May 2018 I had two defaults registered against me, totalling some £30K. In addition to these I entered into a Debt Management Plan, with Stepchange. I am 55, and in a full time job. I have other financial commitments following a divorce. However I…
-
Ccj how/can mine be set aside
Hello, I was wondering if someone could possibly give me some advice around getting a ccj set aside. I have only just seen the ccj applied to my credit account (i dont check it very often, i previously had debts and thought not really much point in looking), this ccj was added in March 2018, however I have never received…
-
Default date and amount
Hi, I have a default on my credit file it is money I owe to a mobile company, my problem is the default date seems wrong to me also the amount. The debt was sold on and I have a payment plan in place which I have been making regular payments too. I do not have a contract copy or bills and I never received a default notice…
-
Any help would be very much appreciated
Good morning, Im new to this so im hoping i may be able to get some help. I had a business back in 2016 and had a debt with a building supply company which i received a CCJ for. I have looked at my experian credit report and they have given me another CCJ for the exact same debt but with an additional £200 pounds added on…
-
To Close or not to Close
hi i have 3 credit cards fully paid off with a combined credit card limit of £27K am i better off closing these accounts and does this impact my credit rating positively or negatively?
-
Potential Default
Me and my partner are about to start the process of buying a house, however, she is paying off a Shop Direct debt which is close to being cleared she has since read that before the last payment is paid they put a default on your credit file even though its from 4 years ago. She is worried that because it isn't showing on…
-
Bank Account Closed and Reported to CIFAS for False Instruments Paid In + First Party Fraud
Metro Bank. Account opened in 2017. In late 2019, I sold my car for around £8000. Payment received by bank transfer. Three weeks later payment taken out and returned to sender. My account got restricted and then closed. No correspondence at any stage from Metro. No access to my other funds for two months. Tried to open a…
-
Poor credit rating and surprise CCJ!
I'm a British military veteran legally resident in Spain, where I have lived continuously for 4½ years. I am currently in the process of buying a house of which I require a mortgage. One of the things mortgage brokers here ask for is a full credit report from your home country. This afternoon I setup an Experian.co.uk…
-
Closed account
Afternoon, can anyone advise me as to when this account will come off my credit report. Will it be from the first missed payment or when it was close? Many thanks
-
Kensington Mortgages - Credit Agency
Hi, Myself and my husband are looking into a mortgage at the end of this year beginning of next year. We are first time buyers. My husband has a less than perfect credit score with some defaults he is currently clearing. The broker we have sought advice from has said they will do a DIP with Kensington Mortgages when my…
-
Falsely CCJ on my credit file
Hi all I wonder if anyone can help me here I have recently found out that I have a CCJ on my credit file for over 12 grand , when I seen this I couldn’t believe it so I contacted the courts and they told me it was put on me by a mortgage advisor that I used back in 2013 ? I had a massive falling out with the advisor as the…
-
Myjar - Credit reporting.
Back in circa 2015, I ran up a lot of debt with payday loans and credit cards. Majority of these have been settled now, and currently working on the last few, whilst also trying to repair my credit history. I've been checking my credit reports, and the Myjar one stands out. I took out a loan with myjar in May 2015, and…
-
BW legal/PRAC Financial late payment markers
I've had a look through the forums for a long time now but cannot find anything which seems to match my situation so I would really appreciate some advise, or even confirmation if my viewpoint is correct here... My credit file (Equifax) shows an account in arrears with PRAC Financial, PRAC have been updating my file with a…
-
Maw credit club
Hi, I’m waiting for my mse credit club dashboard to update. It says “last update 12th July next update due 11th August” so it should have been updated today but hasn't, is it delayed?
-
Old payday loans coming off credit report way ahead of 6 years?
Hi, I'm a bit confused (but obviously happy!!) about the state of my credit reports, given some old payday loans I had. I'm very ashamed to say that between April 2013 and Jan 2018 I took out at least 50 payday loans (mostly Wonga, a couple of others like Lending Stream)... not realising what I was doing to my future…
-
Devastated
Hi all, I've been on a DMP since July 2015, 5 defaults registered, 3 due to drop off in July 2021 so not long to go. However, Virgin Money won't move their default marker from Sept 2016 and the financial ombudsman have agreed with them. This is annoying but the one that is really devastating, hence title, is that TSB won't…
-
reduced amount if pay off ccj "early"?
I have been paying a ccj off for nearly 5 years now and I still have around £1300 to pay off a original amount of around 2k,total amount was approx £3700 which included 2 enforcement fees,charges and interest etc to the debt agency If i rang them and said I have say £500/600 i could get off a family member for an early…
-
CCJ / Payday loan!
Hi all! Just writing to see if anyone has had a similar experience or can offer any advise (greatly appreciated!) I'll bullet point a timeline to make it easier to follow * Took out a payday loan in Feb 2012 as a student for £280 * Paid £295 on June 1st 2012 (Not the full amount as a lot of interest had been charged!) *…
-
Equifax financial associate
Hi, I looked at my Equifax report and my partner has been added as a financial associate but there are 2 things I want some help/advice about. 1. He is being listed as a financial associate by Halifax, we have not applied for any credit, we applied for and were refused a halifax DiP. Is a soft search enough to link people…
