Credit Score 000

DCFC79

Just under 10k on a focus seems expensive, much cheaper options available.

Re your 000 score, what does Noddle and clearscore rate you as ?

Your husband losing his job should be the blessing in disguise, look at your spending habits and reduce them.

I'm_not_going_into

YorkshireBoy wrote: »

It seems you're in denial. In summary:

March 2016 - you committed to a £9,600 car finance.
July 2016 - you committed to a £2,000 sofa on finance.
August 2016 - just ONE MONTH LATER you had an unserviceable £4,300 credit card debt because your husband lost his job. That's a heck of a grocery shop in one month!

You need to realise that prior to your husband losing his job you WERE living beyond your means. Agree? Only when you do can you move on from this. Otherwise it'll happen again, when either he, or yourself, lose a job again.

Nope! I said 'this was August last year' as in 2016 then I said in the July before (2015) so not ONE MONTH BEFORE as you put it.

I don't really know to be fair, I just get the impression people put posts up and then the posts get ripped apart and blown out of proportion. This is in no way a criticism but just an impression I get that's all.

I'm_not_going_into

DCFC79 wrote: »

Just under 10k on a focus seems expensive, much cheaper options available.

Re your 000 score, what does Noddle and clearscore rate you as ?

Lol yes it would be wouldn't it. I said we bought a new car from Ford. I didn't actually say the car was a Ford. It's a Ford main dealer but they also sell part exchanges. This car is a 14 plate.

YorkshireBoy

I'm_not_going_into wrote: »

Nope! I said 'this was August last year' as in 2016 then I said in the July before (2015) so not ONE MONTH BEFORE as you put it.

We can only go on what you type. If there's scope for a misunderstanding you should add the year? After all, "the July before" August 2016 can reasonably be assumed to be July 2016 can't it? . Maybe proof read next time? But to be fair, The £2,000 sofa the year before is the least of your worries. He lost his job between taking the car finance out in March 2016 and when you'd amassed a £4,300 credit card debt just 5 months later...yes? Unless we've misunderstood that as well and you meant something else?

sourcrates

I was in an IVA and had 16 defaults on my credit file, and still managed 246 on Noddle.

I was proud of that lol !!!

I'm_not_going_into

I actually said all of this happened while we were both working so where did you actually read that he lost his job between taking the car finance out? My husband lost his job at the end of August 2016 to be precise (do you require the exact date)?

See what I mean about threads being ripped apart? How has this all been blown out of proportion so much?

All people are doing now is pedantic now because I didn't give exact dates.

I'm_not_going_into

sourcrates wrote: »

I was in an IVA and had 16 defaults on my credit file, and still managed 246 on Noddle.

I was proud of that lol !!!

Oh WOW! Yes definitely something to be proud of. Well done you. Has everything been cleared now?
:beer:

I'm_not_going_into

YorkshireBoy wrote: »

We can only go on what you type. If there's scope for a misunderstanding you should add the year? After all, "the July before" August 2016 can reasonably be assumed to be July 2016 can't it? . Maybe proof read next time? But to be fair, The £2,000 sofa the year before is the least of your worries. He lost his job between taking the car finance out in March 2016 and when you'd amassed a £4,300 credit card debt just 5 months later...yes? Unless we've misunderstood that as well and you meant something else?

Just to add on from my reply to you. The £4300 wasn't amassed in 5 months either. If you wouldn't mind showing me where I exactly said that It'd be grateful.

The credit card debt was over about 3 years.

YorkshireBoy

I'm_not_going_into wrote: »

I actually said all of this happened while we were both working so where did you actually read that he lost his job between taking the car finance out? My husband lost his job at the end of August 2016 to be precise (do you require the exact date)?

See what I mean about threads being ripped apart? How has this all been blown out of proportion so much?

All people are doing now is pedantic now because I didn't give exact dates.

Like I said, denial. So at the time he lost his job you'd £9,600 of car finance, £2,000 of sofa finance, and somehow had managed to rack up £4,300 of credit card debt as well. You were living beyond your means, and it was an accident waiting to happen - which you must have discussed when considering a near £10K car purchase surely.


Anyway, best of luck.

YorkshireBoy

I'm_not_going_into wrote: »

Just to add on from my reply to you. The £4300 wasn't amassed in 5 months either. If you wouldn't mind showing me where I exactly said that It'd be grateful.

I'm not going to go back to try and second guess what you really meant. But what you said was you'd amassed the debt on shopping because your husband had lost his job. He lost his job in August 2016 and you had a £4,300 debt in the same month...so you hadn't spent it on "just essentials that we were using it for as my husband was out of work so food shopping etc" had you. It was amassed over the previous 3 years, alongside cars and sofas.

The credit card debt was over about 3 years.

Like I, and others, said, you'd been living beyond your means (for a good while as it now transpires). Only when you come out of this denial phase will you move forward. Good luck.