We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Unsettled CCJs can I get mortgage
Comments
-
No don't start contacting them all again. That really will stir up trouble for you.
As far as I'm aware all the ccj's will drop of your file after 6 years, and the companies can no longer chase you for it as it's statute barred also after 6 years.
If I was you I'd just bite the bullet and order a copy from Experian and Equifax.. it may not be as bad as you think... and after 7 years of not hearing from them I'd certainly ( if it was me ) be very wary about contacting them all and stirring up trouble.It all seems so stupid it makes me want to give up.
But why should I give up, when it all seems so stupid ?0 -
As I said before unpaid CCJs do not become statute barred after six years, they can be re-registered on a credit record and chased up forever!"You've been reading SOS when it's just your clock reading 5:05 "0
-
sammyjammy wrote: »As I said before unpaid CCJs do not become statute barred after six years, they can be re-registered on a credit record and chased up forever!
Only with a court orderMF aim 10th December 2020 :j:eek:MFW 2012 no86 OP 0/2000
0 -
Okay, I took everyones advice and bit bullet and took a look at my credit files with Experian & Equifax. OMG!! Turns out I do NOT have any CCJs, just one default for £33.00!! I have paid off the money owed so hopefully the file will be updated to show the default has been settled.
My credit rating though is VERY low 300!! How can I remedy this? Any suggestions and how bad is this in terms of appying for a mortgage? Any advise would be really really appreciated.2010 Quidco Cashback = £255.000 -
Are you on the electoral register?
Do you have a credit card that you can put small things on and clear each month?
Do you have a deposit saved?I am a Mortgage Adviser
You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Mrs_Bumble wrote: »Are you on the electoral register?
Do you have a credit card that you can put small things on and clear each month?
Do you have a deposit saved?
Hi Mrs Bumble
Thanks for replying.
To answer your questions, yes I am on the electoral register but do not have any credit cards, and yes I have £20k deposit.
what do you reckon, my credit rating with both credit agencies is 'poor'2010 Quidco Cashback = £255.000 -
Not all lenders lend purely on credit score.
What sort of house price are you looking at? Income?
I would say to take your credit files to a good, whole of market mortgage broker
I am a Mortgage Adviser
You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.2K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.2K Work, Benefits & Business
- 603.8K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards