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Aktiv Kapitol...another query
someadvicepleaseguys
Posts: 1 Newbie
Hi guys
I've read through quite a lot of the prev very long thread, and apologies if this has been covered
I am currently looking into remortgaging and have done a few searches to check all is ok, I had some debt from approx 10 years ago, which has been long time barred...a situation I am currently sorting with the relevant debt collection letters I keep recieving
To the point, I found a search made by Aktiv Kapitol stating the reason was for outstanding debt on Equifax...Experian appears to be ok though with searches from Lowell but not stating the reason for search !
Obviously this will have a huge effect on my chances of getting the loan/mortgage
I am wondering what the legal remifications are of them making such a search for a time barred debt, and what I can do to have the search removed from my file ?
Any help/advice would be well received
Many thanks
I've read through quite a lot of the prev very long thread, and apologies if this has been covered
I am currently looking into remortgaging and have done a few searches to check all is ok, I had some debt from approx 10 years ago, which has been long time barred...a situation I am currently sorting with the relevant debt collection letters I keep recieving
To the point, I found a search made by Aktiv Kapitol stating the reason was for outstanding debt on Equifax...Experian appears to be ok though with searches from Lowell but not stating the reason for search !
Obviously this will have a huge effect on my chances of getting the loan/mortgage
I am wondering what the legal remifications are of them making such a search for a time barred debt, and what I can do to have the search removed from my file ?
Any help/advice would be well received
Many thanks
0
Comments
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What specifically does the search say? If its not a credit application search then you should be fine.
If the actual credit account doesn't appear then its unlikely that it is a search that any other potential lender would see and unlikely to have any impact of your chance of getting new credit.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0
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