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No default for loan with a CCJ
ant3b
Posts: 5 Forumite
Hello,
I have 2 loans with Creation finance. 1 which has been made into a CCJ and the other sent to the debt company.
The problem is both these loans are still ongoing on my credit file. for about 10 months now it has said I am 6 payments late.
I am paying my loans off with the 2 companies...
How will I get the loans to default? they should of done in 2013 sometime.... its affecting my credit file as everything else is gone except this.
many thanks
I have 2 loans with Creation finance. 1 which has been made into a CCJ and the other sent to the debt company.
The problem is both these loans are still ongoing on my credit file. for about 10 months now it has said I am 6 payments late.
I am paying my loans off with the 2 companies...
How will I get the loans to default? they should of done in 2013 sometime.... its affecting my credit file as everything else is gone except this.
many thanks
0
Comments
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sounds like noddle / call credit? if so ignore.Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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hello its on experian mate? so not sure?
As its not defauting it will not drop off the credit file? in 6 years?0 -
still wont be 'done' if it defaults,0
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What do you mean by done?
Im paying the loan to the debt collectors? i just want it to default? like every other loan after 3-6 months etc.0 -
ccj must have a default not 6 each month0
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so how would I go about this... Could I get the CCJ recinded? as its not been defaulted?0
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no all you can do is get your credit file changed so a default. so it drops off when the ccj does0
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Hello ant3bHello,
I have 2 loans with Creation finance. 1 which has been made into a CCJ and the other sent to the debt company.
The problem is both these loans are still ongoing on my credit file. for about 10 months now it has said I am 6 payments late.
I am paying my loans off with the 2 companies...
How will I get the loans to default? they should of done in 2013 sometime.... its affecting my credit file as everything else is gone except this.
many thanks
That's a good question, you might want to speak with the company you're paying the loan payment arrangement with if you have a payment arrangement the company as a late payment and not considered as a default.
A defaulted account will remain on the credit report for six years from the default date.
If you would like me to take a look at your credit report please send me your details to [EMAIL="uksocialsupport@experian.com"]uksocialsupport@experian.com[/EMAIL] I would be more than happy to help.
Kind Regards
James Jarvis“Official Company Representative
I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0 -
Thank you for your reply.
I have emailed you my details.0 -
Hi ant3bThank you for your reply.
I have emailed you my details.
Thank you for your email, I have now responded to you.
If you need to get in touch with us again our contact details can be found here.
Have a good day,
Kind Regards
James Jarvis“Official Company Representative
I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0
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