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  • FIRST POST
    • Douglas2020
    • By Douglas2020 4th Mar 18, 10:03 PM
    • 1Posts
    • 0Thanks
    Douglas2020
    Default
    • #1
    • 4th Mar 18, 10:03 PM
    Default 4th Mar 18 at 10:03 PM
    Hello all,

    Iím looking for some help. Iím trying to get a mortgage. So today I looked up my credit file.

    I had an old CCJ from 2 years ago. After I looked up whatís on my file I have seen the same company that gave me the CCJ have now just added a default on my file from last month. Iím not sure sure what has happened they never sent me a letter or anything but have now added defaults.

    Any help would be great.

    Cheers
Page 1
    • Ben8282
    • By Ben8282 4th Mar 18, 10:30 PM
    • 2,353 Posts
    • 1,077 Thanks
    Ben8282
    • #2
    • 4th Mar 18, 10:30 PM
    • #2
    • 4th Mar 18, 10:30 PM
    Has this amount been previously defaulted? A debt can only be defaulted once.
    If the default has not previously been reported, then it is correct that it should be added to your file. However, the default date must be correct. They cant show a default date of last month for example if the default actually occurred over 2 years ago.
    Has the ccj been paid? Is it showing as settled or what?
    • boo_star
    • By boo_star 4th Mar 18, 10:54 PM
    • 1,514 Posts
    • 857 Thanks
    boo_star
    • #3
    • 4th Mar 18, 10:54 PM
    • #3
    • 4th Mar 18, 10:54 PM
    Has this amount been previously defaulted? A debt can only be defaulted once.
    If the default has not previously been reported, then it is correct that it should be added to your file. However, the default date must be correct. They cant show a default date of last month for example if the default actually occurred over 2 years ago.
    Has the ccj been paid? Is it showing as settled or what?
    Originally posted by Ben8282
    I don!!!8217;t think most of this matters.

    Registering a default 2 years after a CCJ is clearly incorrect. A default is a !!!8220;breakdown of the relationship between a creditor and debtor.!!!8221; If such a breakdown occurred, the latest that would have happened was when they filed for a CCJ, and in almost all cases at least several months prior to that.

    If the default date is indeed last month, rather than them adding a default dated 2-ish years ago, the OP needs to open a complaint.
    • Ben8282
    • By Ben8282 4th Mar 18, 11:00 PM
    • 2,353 Posts
    • 1,077 Thanks
    Ben8282
    • #4
    • 4th Mar 18, 11:00 PM
    • #4
    • 4th Mar 18, 11:00 PM
    What is this .!!!8221 that I am seeing so often?
    • Emily Joy
    • By Emily Joy 4th Mar 18, 11:06 PM
    • 119 Posts
    • 58 Thanks
    Emily Joy
    • #5
    • 4th Mar 18, 11:06 PM
    • #5
    • 4th Mar 18, 11:06 PM
    What is this .!!!8221 that I am seeing so often?
    Originally posted by Ben8282
    Let me google that for you:

    Unicode decimal Code & 8217;
    Symbol Name: Right Single Quotation Mark
    Html Entry: ’
    Hex Code: & x2019;

    The forum's script automatically replaces & by !!!, hence error.
    Last edited by Emily Joy; 04-03-2018 at 11:09 PM.
    • sourcrates
    • By sourcrates 5th Mar 18, 9:11 AM
    • 14,342 Posts
    • 13,536 Thanks
    sourcrates
    • #6
    • 5th Mar 18, 9:11 AM
    • #6
    • 5th Mar 18, 9:11 AM
    What is this .!!!8221 that I am seeing so often?
    Originally posted by Ben8282
    It is a known error, and a solution is been sought.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
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