Increase credit rating and CCJ - Welcome Finance!!

JustTony

Deleted User wrote: »

Doesn't matter if you settle them or not; you would have to wait until the ccj's drop off your credit record before you should even think of applying. Bottom line is if you have a ccj on your record, whether it's satisfied or not, you have Buckley's chance of a mortgage.

I understand that! However I feel that WF are ripe for foul play, and the CCJ isn't justified especially with the number of charges added to the account, and the total amount of money I paid back.

JustTony

Have a look for yourself.

https://docs.google.com/file/d/0B-t99HzxTe_bb0NtWk9qNDlPNTQ/edit?usp=sharing

JustTony

Does that not look like an awful lot of charges?

sharp82

It does.

Thats what happens though if you ignore them for a large period of time. They just keep adding and adding

If you'd had set up a payment plan, you'd have had far less charges and no ccj

You can ask them to review the charges... However, i'm pretty sure they'll just refer you to the t&cs which you signed when taking the loan

JustTony

I know, but hindsight is a wonderful thing!
Weren't the charges unlawful at the time?

Surely they can't register a CCJ for £1400 more than the amount they closed the account on?

Any ideas why when I SAR'd them I didn't receive any of the correspondence they sent myself through out the time the account was open - nor my original credit agreement with my signature on, or any court paperwork for the CCJ?