Going for statute barred/write off, but if buy property can that be seized or used??

ILW

I think the OP is living in a fantasy world.
They say they can only afford £1 a week to pay off debts, but want to get a mortgage.
And then state that £13,000 is a small amount amount and not worth chasing.
I believe a reality check is probably in order.

SingleSue

Especially bearing in mind people are finding it difficult to obtain mortgages if they just have a late payment on their file, let alone a default.

Oh and 13k is not a small amount of money.

MrsTinks

They are finding it difficult with less than 10% deposits and perfect credit histories... Defaults and CCJs...

ILW

Just had a peek at some of the OPs other postings. They are mainly about betting and online gambling, or benefits. Pure fantasy island.

ElkyElky

ILW wrote: »

Just had a peek at some of the OPs other postings. They are mainly about betting and online gambling, or benefits. Pure fantasy island.

Perhaps he's gambling away tax payers money and planing for the future for when he wins big? :rotfl:

He is saving up his JSA to buy a house. :j

Don't you just love it when you see benefit claimants have high ambitions for their money.

jonesMUFCforever

A CCJ can be applied for online and costs a few pounds - so yes they can (and in this case hope) chase you for the small sum of £13k.
I have seen some mobile phone companies issue a ccj against an unpaid bill of £30!

Ritchie74

This is hilarious !

Poster had a legally binding contract with a bank/more than one bank and decided not to pay.
Here is a previous post of theirs, to a member asking for advice for her friend who is having trouble obtaining money back from an ex (sorry I can't add link, but a quick search of ops previous posts will turn this beauty up)...


"Your friend, and you, are just pretty foolish to be honest for giving someone thousands of pounds,
especially doing it without having a solid contract in place for it.
So im not sure what you expect now?

You do foolish actions, you get treated like a fool"


Priceless, given that in Aprils world a contract means nothing!
April, you are my hero

CannyJock

Not sure there are any mortgages at the moment for people currently on benefits with 2 years missed payments on their credit cards. OP also says 2 years of missed payments on debit cards - does that mean they've racked up overdrafts that they're refusing to pay back?

Can only suggest the OP takes £2 of the £8k they have and get a copy of their credit report (see sticky at the top of the forum) to see what sort of shape it's in. In particular, how does their 2 years of missed payments look in black and white?

Would agree with everyone else that chances of a mortgage are next to zero. There's no magic wand or back-door loophole to improve your current situation. It sounds like their credit file is already trashed, so adding an "arrangement to pay" can't do much more damage. From memory, on another thread, there's some advice on getting cards to accept an offer but still marking your account as Settled. Never-in-doubt can probably point you in the right direction.

These accounts will still show on your credit report 6 years after the settlement date. That'll give you time to sort out the job situation and put a deposit together, and hopefully the range of mortgage products will improved by then.