I have received a letter from ELMS Legal?

MothballsWallet

OP: you can access your credit file for free for 30 days using one of the following:

1. Experian
2. Equifax
3. Clear Score
4. Credit Karma (formerly Noddle)

You should be able to find the exact page by searching the web for the company name followed by the words 'free credit report' - you'll need to sign up for an account (possibly a free trial: if so, remember to cancel that before the 30 days are up or they'll start charging you each month).

MothballsWallet

I didn't give the exact links because they do sometimes change them: from what I remember, Credit Karma say they're free for life.

IloveElephants

MothballsWallet said:

I didn't give the exact links because they do sometimes change them: from what I remember, Credit Karma say they're free for life.

You are very kind 

BrownTrout

Why has this taken up 4 pages............
No one will call. You have been told,  why are you not listening?

nosferatu1001

OP
please get this clear- no 
bailiif
will
call

thsy can't.  They're not allowed to. So, STOP WORRYING. 

Now don't use those. If you have a NEW ccj nothing will show for 30 days . Use TRUST ONLINE to get a true up to date list of any ccj. Now. Today. Don't wait. 

If you DO then you need to know WHY. My guess is that they filed a claim at an address from 5 years ago that you moved out of X years ago. 

IloveElephants

nosferatu1001 said:

OP
please get this clear- no 
bailiif
will
call

thsy can't.  They're not allowed to. So, STOP WORRYING. 

Now don't use those. If you have a NEW ccj nothing will show for 30 days . Use TRUST ONLINE to get a true up to date list of any ccj. Now. Today. Don't wait. 

If you DO then you need to know WHY. My guess is that they filed a claim at an address from 5 years ago that you moved out of X years ago. 

Ok thank you so much

IloveElephants

BrownTrout said:

Why has this taken up 4 pages............
No one will call. You have been told,  why are you not listening?

Ok Thank you browntrout

onlyfoolsandparking

After getting a dressing down from CM for my 'terrible' advice to this OP on their 'Credit file' thread I thought I would have a read of this thread and I'm still drawing the same conclusion A, its a troll or B, you've all got your work cut out guiding them through a potential set aside.

4 pages and no further...….. 

BrownTrout

Look at their post on the credit rating page and it definately looks like a troll

Coupon-mad

Not to me, but I have sent a pm to see more info about the CCJs.

NO-ONE on the 'Credit Ratings' board should be telling anyone to pay a private parking CCJ off to satisfy it, and take the hit on their credit rating even though the claims were filed to an old address. 

The advice there was diabolical from almost every person who replied.