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CCJ Set aside with consent - process & time scales?
Hi there, I have a CCJ that I thought I might be able to get set aside. I raised it with the solicitors who originally made the claim against me who went on to make an application to the court to have the CCJ set aside, by their consent. They informed me they had made this application to the court on 22/10/2021. Does…
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CCJ for a vehicle that was sold...
I sold a vehicle to a friends nephew in October 2020. I didn't fill in the V5 but I did get a signed receipt with date and both signatures marked sold as seen etc etc. The buyer took the vehicle straight away to get it repaired. The bill from the garage was about £750 or so. I don't have the full details but the bill now…
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Another CCJ post
I am a landlord of a property and earlier this year i served a Section 8 G8 to a tenant for rent arrears. The courts finally issued a possession order with money order in May giving the tenant 14 days to pay the arrears. Obviously this hasnt happened My question is that the arrears is now significantly more than it was in…
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ccj for parking fine
Hi, I'm looking for some advice please. I've recently discovered, upon looking at my credit report on clearscore, that I have a ccj. I've phoned up this morning to find out what it was for, as I didn't receive any claim forms. The ccj was set in April this year for £343, and was for a parking fine incurred in 2018. I've…
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Ccj
I had a CCJ judgement made on the 23rd March 2022, I was notified 25th through credit karma, I wanted to do set aside judgement but decided to paid off the debt of £292, I paid it on the 19th April 2022, am I right it should have been removed from my file not marked as satisfied right? How do I get it removed it from my…
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PCP 14 day cool off
Hi have recently taken out a PCP and I know the is a 14 day cool off period. The whole process has been a nightmare and hasn't been nice experience have emailed Vauxhall's over it but am thinking if I give car back what will it do to my credit file I would like a car on PCP but from a dealer who cares
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Attachment of earnings
Wasn’t sure where to post this so hoping I’ll get some responses. I’ve been granted a ccj for someone who owes me close to £5k. It was granted by default as they didn’t respond to the small claim letter. First payment according to the court order has been and gone. No payment and no idea of when or if I’ll get anything. So…
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Credit Style doing soft searches
This week I looked at my credit file and found a soft search from Datasense UK. I contacted them and asked who their client was, and they said it was a company called Credit Style (I think these are the same as CST Law?) I imagine this relates to a parking charge I recieved letters about a while ago. Is this a new thing…
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A £6.50 missed payment is destroying my credit file!
Hi all, I was hoping someone could give me some reassurance that a £6 missed payment isn't going to ruin my chances of getting a good rate on a mortgage next year. I'm saving for a first home deposit at the moment and if all goes well we will be ready at some point between this Winter and next Summer. Our washing machine…
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Just paid off credit card default - what next?
Hi all, I've finally paid off a credit card default and the account has been partially settled. My credit score is obviously not great especially as I have two of these defaults aroundthe same time end 2018/beginning 2019. I want to start building my credit. I'm a much wiser person now in my mid 30s and better with money.…
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Credit card
Hi is there a CC company that will give my (not working) wife a credit card using my DWP & private pension income on her behalf, this is so she can build up her credit viability.
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Horrible tradesman threatening bailiffs.
Hello all, Not sure if this is the right place to ask for help, but I'm looking for some guidance for a disabled/elderly neighbour, who had an horrendous experience with a company who services disability equipment. Long story short, an annual service/maintenance visit was booked, with price quoted (recorded telephone call…
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Issues login into MSE Credit Club
I seem to be having issues login into MSE Credit Club. is it just me or are others having the same issue?
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Equifax Complaint - any ideas?
Morning everyone - first time poster but seeking advice from the collective on this. We purchased a newbuild property using the Help to Buy Wales scheme. This year, before the interest rates hike, we decided to remortgage and pay off the loan portion to the Help to Buy company. We found a reasonably good deal with Natwest,…
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Multiple soft checks from Zopa
Hi, I’ve just been looking at my credit score and file and in the first six months of this year Zopa have done three soft credit checks on me at an address I haven’t lived at for 20 years (it’s my childhood home address but my parents no longer live there) and using my maiden name (I’ve been married for 15 years). They all…
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County Court Judgement I knew nothing about
I've just tried to apply for a loan and a couple of comparison sites have said nobody will lend to me so i've obtained my credit file. It has two CCJs on dated 18th May 22. They're both for £257. We've figured out the most likely thing would be a parking ticket and i've just dug out my V5 and it's still at my old address.…
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Impact of missed payment on mortgage application
I recently signed up for a new broadband contract with Virgin and, stupidly, I forgot to set up a direct debit. Therefore, I didn't pay the first month's bill and I only noticed when the bill for the second month was emailed to me and I thought it was a bit high. When I realised my error, I paid off the full balance…
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Is this identity theft?
Hello I've just noticed that there are two companies on Companies House are registered under my name (different addresses but same DOB). I have quite a rare name so it would be very unlikely that someone would have the same name and DOB. I did have a previous instance of someone trying to apply for a bank account with my…
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Default on my Credit File. Can I remove it?
Back in 2018, I had acquired a fairly substantial personal debt across several banks and credit card companies. I settled these debts at 80% of the total with each company and my status was shown as settled. One company, Newday, accepted the 80% but did not mark my account as settled, they still defaulted me, which is…
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British Gas - disputed account
Can someone help explain to me please. I was paying British Gas a direct debit for my gas and electric of £251 a month, they wanted to up that to £445 so I cancelled my dd to make manual payments of my actual usage ( about 220 a month at the moment) as they would not lower the dd amount even though my account was in…
