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  • Dharmadad
    started a topic Joint Owned. Mortgage in both names.

    Joint Owned. Mortgage in both names.

    Hi,

    I (nor anyone else for that matter) has seen of heard from my ex partner (not married) for nearly 8 years.

    I have since re-married and have a child with my wife - we've been married for 6 years.

    I understand from Landmark that I can do nothing without my...
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  • wilfred
    started a topic National Hunter and Cfas issue

    National Hunter and Cfas issue

    Before i get into the full story can anybody clear up three points for me please? I have read some conflicting information about how long an NH marker stays active. I thought it was six years but Im sure I read somewhere on here that it was rolling 13 months assuming no other issues were flagged to...
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  • shaun196809
    started a topic O2 Default - Didn't know I had

    O2 Default - Didn't know I had

    Hi there,

    I reviewed my credit file today and saw that I have a default recorded by O2, which was under my closed accounts, for £20. Of which I paid anyway. Bizarre.

    Apparently the account defaulted in July 2012 and I had no idea this happened. And especially for £20!!
    ...
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  • shaun196809
    started a topic PRA Group

    PRA Group

    Hi there,

    I have a £8.5k debt with PRA from 2005 and requested a CCA last month. They responded stating that the amount was unenforceable as they couldn't find the original credit agreement.

    I responded with a 10% offer to close the account stressing that it was unenforceable...
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  • alfie
    started a topic Remortgage Equity Release

    Remortgage Equity Release

    Good evening.
    My query is if anyone knows off hand about remortgaging an existing equity release which provided an initial lump sum then a monthly payment. The sticking point is that it appears that the monthly payment cannot be stopped unless the whole existing amount is redeemed. The wish...
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  • MisterK
    started a topic MisterK UE Diary

    MisterK UE Diary

    Here is my diary at last.

    (A little local difficulty getting the username agreed with MrsK, but everybody's happy now I'm pleased to say).

    About six years ago, in need of some help and well before I found AAD, I paid some money over to some CMC's to get "certificates of...
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    Last edited by MisterK; 30th April 2017, 10:04.

  • Strepsi
    started a topic Looking to rent

    Looking to rent

    We live in a mortgaged house, the house next door is a rental. Every 6, 12 or 48 months we get new neighbours more often than not they are a nightmare!

    Anyway we were thinking if it was practical for us to rent our property and rent another property elsewhere.

    I was wondering...
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  • Jacspacs
    started a topic Failed IVA

    Failed IVA

    Hi my Iva failed in 2012 and is still showing on my credit reference file - can anyone advise when this will drop off my file as it is showing as 110 months old?
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  • Spent2much
    started a topic freehold on mortgaged property

    freehold on mortgaged property

    This question is from a friend which i found interesting so I'm going to ask your views on it if you will please .

    Jo Blogs buys a house he has a mortgage . The property is freehold .
    If he paid for the freehold outright can he then live on the land and not in the mortgaged house...
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  • Unwarranted CIFAS against my Name - Mortgage Application Fraud

    Hi Forum,
    I am new this forum (infact to any forum) but the need is such!!! So please accept my apologies if my below request is more in detail and boring and not in line with your expectations.

    Issue in Detail: I have started a mortgage application with a leading UK Bank (which...
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  • Ashtanga
    started a topic Joint Owned...court now?

    Joint Owned...court now?

    Hi everyone,

    I am aware that there is lots of stuff out there regarding this. But every case has its unique peculiarities eh?

    Joint owned. She left around 8 years ago.

    Not seen ex partner for 8 years over which period I paid the mortgage on the dot - never left...
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  • Spent2much
    started a topic checking credit file

    checking credit file

    I want to know when any defaults were recorded - is it a bad idea to check ?
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  • so_so
    started a topic FRAUD MARKER CATEGORY 6 ON MY PROFILE

    FRAUD MARKER CATEGORY 6 ON MY PROFILE

    Dear all, I am new to this group and I would really like some advice as to what to do next, I'll try to make this as concise as I can.
    Sometime in November 2016 I applied for a Lloyd bank credit product and was declined, this wasn't the first time I've been declined a credit facility or a mobile...
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  • DaveyBoy
    started a topic Arrangement to Pay and default notices

    Arrangement to Pay and default notices

    Hi Niddy
    Basically I've got alot of unsecured debt that I'm now struggling to pay off. The majority of which has been used on house extension and improvement. Can't afford all my repayments each month now and have approached mortgage provider to remortgage to consolidate debt, no joy cos of my...
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  • DaveyBoy
    started a topic Debt problems - Any Ideas

    Debt problems - Any Ideas

    Hi, hope everyone is well

    Any advice thought on the below would be much appreciated and I know I'm in the right place to receive it

    Basically I'm still going through a UE journey now 5 years on and all is quiet with this, but now find myself in a new predicament

    ...
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