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10 year old CCJ, being chased for the money.
My partner has recently been chased for £4000 for an old CCJ from 2011 on a credit card that she took out but her husband at the time used and didn't pay off. We had thought that after 6 years the CCJ and the debt was gone but it seems not. Nobody had been in touch with her since the CCJ was taken out as at the time she…
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CCJ from 2001
Hi All Just when I thought I had completed my journey from hopeless debtor to wannabe saver/overpaying mortgage, a debt collection letter from Lowell drops through my letterbox. Apparently I owe Hoist Finance Uk (never heard of them) £379.59. I call Lowell and get through to someone who finds the debt and says it’s…
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CCJ enforcement time
Hi Everyone, What's the time frame after a parking offence that a private company has before they can issue a CCJ. For example if you parked somewhere in January, is there a specific time frame that they have to serve the CCJ or can it be whenever they like? Just wondering, thanks!
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Mortgage Application - Existing Satisfied CCJs Not Showing
Hi Everyone, First time buyers. We had an acceptance with a poor credit lender at 7.5% using a specialist broker back in May. Recently I've done a decision in principle online with a high street bank, who have done a soft credit search and said they could lend us what we need. My partner had CCJs from just under 6 years…
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CCJ/JOB?
Hi all Not sure if this is in the correct section, I work in finance but ive applied for another job (still in finance) if i have a CCJ, will this affect my application or cant they see anything like this? I know they do screen checks etc in probation period? thanks
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CCJ - original debt date
Hi. I've been given a CCJ for a mail order debt originating from 2017 ( so over 6 years ) but the date of default was 2019. I made no payments in that time. Should it have been/can it be statute-barred because of it's age?
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Scottish power have added an account to my credit file
I have recently found out that scottish power have added a new account to my credit file a default for 186.00. For something called a special arrangement. I have no clue what this is and have never been in debt with my energy gas or lec.. I am on pre payment metres and have never had a bill for my metres. I've always had…
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Job titles - how to stay consistent
Hi - I understand the rationale of keeping job titles consistent across applications but any thoughts on how to do so when many applications only have fixed drop-downs which aren't consistent across organisations. Especially important when things that might be considered close synonyms are treated differently (like PA /…
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Errors are ok but doing nothing about them isn’t
Have been given two defaults by O2 which I have written proof from O2 that the accounts were satisfied with zero balance when I left. I’ve spent all week ringing a disinterested customer service centre, visited the store who said they could do nothing and written so many emails to so many teams and no one is interested.…
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FOS - Can They See My Credit File?
Wondering if anyone knows and do please move if not the appropriate board to post on. I have an open complaint with the FOS in relation to a supposed bank account which came to light at the end of last year. I have just received a letter from the FOS asking for a few bits of information, one of them being my address for…
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Unknown CCJ found - Old address issued at (6 years plus)
Hi all, Im trying not spam up threads with the same posts so I’ll
try and keep everything really simple as just looking for best course of
advice. Over weekend from checking my credit report I discovered a
CCJ: * Issued – July 2023 * Address showing CCJ issued at – an old address I moved out
of in 2017 * Time at current…
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Credit rating affected by incorrect arrears
I had a Debenhams card and paid off the balance 3 years ago. Over the past few months I've had let's from NewDay saying I owed £4 and each month was accruing interest. Thought it was a scam till I rang them and disputed it. The agent told me she'd remove the debt and apologised for the inconvenience. I then discovered…
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Default date dispute
hello all, I fell into mental health issues and financial difficulty in 2017 into 2018, following a serious health diagnosis and subsequent bereavement. Advice from Stepchange was to enter a DMP so I did this early-mid 2018. This resulted in all of my debts defaulting during 2018, which means that they are dropping off…
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CCJs - different to listed credit card balance?
Hi everyone. I was just reviewing my credit report on Credit Karma and noticed a CCJ listed (not unexpected). What is confusing me is if the CCJ is the same as one of the two (defaulted) credit card balances I also have on the report, which show as different balances to the CCJ. I pay the two credit cards monthly, and…
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Lowells and JPMC setting up accounts
The have added the following entries on my credit rating Not sure why, Have heard of dcas taking money from / via pay pal to pay off debts Otherwise what are they doing on there I didnt set them up or open them. Many thanks
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‘Overdales’ solicitors and N1SDT form
Morning. First time poster. I’ve had some dealings with Lowell and now this has been handed over the Overdale which I believe is the same company. I’ve had a ‘claim form’ through the post but it looks fake. I know that these companies use wordings / letters and things to scare tactics. The claim form states it’s from…
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Double Default for one debt?
Hi all, I am on the tracks to become debt free (As most of us are). I got into a lot of trouble when we had to liquidate our business (Although thats left me with 140K worth of directors loans to pay back as we allowed a poor accountancy firm to terribly mis-advise) anyway, we struggled and got a lof of defaults. I have…
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Do I really need to check all the Credit Agencies?
I've just checked Clearscore, and as I expected, it's come back clear, with a rating of 733 stable out of 1000. Only one search in the last 6 months, when I obtained my Credit Card. 2018 - 0 Missed Payments. 2019 - 0 Missed Payments. 2020 - 0 Missed Payments. 2021 - 0 Missed Payments. 2022 - 0 Missed Payments. 2023 - 0…
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Credit Report - unpaid transaction
Does an unpaid DD go on my credit report ? Fuming with HSBC, My monthly DD payment is due 8th of the month and I made a manual payment in excess of my minimum payment on 25th June. I asked HSBC would the DD still be taken and they advised it wouldn’t due to I made the payment in plenty of time prior. On the off chance I…
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ClearScore
Is ClearScore a safe organisation and recommended by MSE?
