Righty ho,
So my ex partner and I consolidated our debts with payplan about 6 years ago - we've been paying off monthly amounts since then. The recent sale of our house has left a small amount of money which we were looking into making settlement offers...this lead to a conversation with...
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Second default by Lloyds
LLoyds registered a default on my account ages ago. In 2008 they changed some terms of the agreement, but didn't issue a new agreement. In 2010 they defaulted again and registered another default with the CRAs. In 2011, thanks to AAD they discontinued on their court claim
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Am I correct that... -
Number of financial accounts & defaults?
Just a quick question regarding default entries.
I know that when a debt is sold and the new owners start to report on the cra, the previous default is marked with a default satisfied date and balance £0 and the new owner carries on the reporting under its own name.
When checking... -
VERY - SHOP DIRECT PROBLEMS
My daughter has a Very Account which she was disputing as £90 was applied against the account when she didn't actually buy anything.
We wrote to Very and requested a full breakdown of the account t include al charges and fees etc. They initially refused to give this information up but when I... -
BT Default
Hi Guys,
I am hoping you could all help me out here am banging my head against a brick wall!
Problem with BT Default, Now couple of years ago I have opened a BT account for my stepfather at an address he was living from April 2011 to October 2011 during that time he was using... -
Debt PAID IN FULL, Equifax still showing it as owing
Right, I'm fuming now!
In early March, I was in a position to repay an outstanding debt over an overdraft from an account that Barclays had closed. I'm in a better financial position than I was when the account was closed and I thought that paying it off would help improve my... -
Santander 123 card
Our joint account is with Santander and is fine - we have a small savings account attached to it and no overdraft - we have had it for over 9 years. Out of the blue they sent us an email saying did we want a credit card - I resisted for ages but in a slightly drunken state on Good Friday evening I... -
Default Question
Hi Everyone,
I have a quick question regarding defaults.
I know they last for 6 years but remain on your file for a few weeks after until they disappear.
During those few weeks, are they still visible if a lender were to do a search or are they only visible for... -
National Hunter (& CIFAS) - how will my SAR's be recorded and/or notified to their members
Hi- am hoping I can get some direction to help me make a decision as to whether to apply to get my file from N Hunter and/or CIFAS. I have been looking through other threads here and think the help and direction given to people has been nothing short of marvellous (I refer to Never-In-Doubt's assistance...Last edited by Devonloch; 8 February 2015, 18:49. -
Checking for CCJs at old address
Is there a way of checking for CCJs, defaults etc at an old address without giving linkage to your current address?
I'm slightly concerned as I've been googling for updates on the Egg/Barclaycard/Marlin situation and have seen threads on other forums saying that these have started appearing... -
Statute Barred --- Or not?
I have a few cards that are due to become statute barred around the middle of this year.
Or at least that's what I thought until a couple of days ago.
Hence this new thread.
I was advised that the SB clock re-starts at the point of a claim being issued, which... -
council tax
Hi. Can the council get a ccj against you without us actually going to court?
They have just put it on credit file.....? We haven't been to court!? So are confused. We were not served any papers prior to this either. Help please. Thank you very much. -
Limited Company CCJ issued in error
Hi Guys,
I hope i'm posting in the right section. I recently got a a credit report for a company only to find we have had a CCJ issued against us. I know for 100% that this was incorrect. I rang Northampton CC with CCJ number and asked them which company registered this against us.... -
Owner occupier or not ? What difference does it make and how can they check ?
Some credit application forms ask specifically whether you own the property you live in, whether it is mortgaged or not etc. but others ask whether you are a tenant, owner etc. and others simply ask if you are a home owner.
Now I know we all understand that they are really asking whether... -
Moving money about
I have balances on a Flybe and Tesco Mastercard that i am hoping to port over to an Interest free card with view to paying off ASAP.
My most recent default was June 2011 so I called my Bank (lloyds) to see if i was showing eligibility for one of their balance transfer...
