Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi everyone, i have looked for this on the site i promise i have one default issued on my credit history and that was 4 years ago by vodafone. this is the only black mark myself and partner have. we are both going for a mortgage at the moment and this is really messsing us up. i am really not sure what to so or how to proceed. there is so much information on here it bamboozles me and i am not great with this stuff at the best of times. any help that you can offer now matter how small would be greatly appreciated.
Sorry Andie, i have asked them to remove the default but they wont and i want the it removed, i paid the account up about 6 months after the debt 4 years ago
Unfortunately I believe they are within their rights to keep the default on your file for the 6 years - they do not have to remove it if they don't want to.
Sorry
I am a layperson and have no legal training but I do have an iota of common sense (sometimes)
Welcome Finance PPI -----> over £3k court case filed SETTLED
Park Motor Finance -----> incorrectly logged default on credit file claim for compensation
Lloyds Tsb ----> plenty of things all filed with Financial Ombudsman or Small Claims ----> settled by paying me full amount sought 02/05/09
I would seek out the help of a independant mortgage advisor. It will cost a few quid but he should be able to tell you the lenders that will consider you.
As long as the default shows as being satisfied (paid off) and no arrears owed you should be fine with a mortgage application.
Most mortgage companies will only be concerned if you have defaults or accounts currently behind with payments.
Mortgage applications actually tend to be easier to be accepted for than things like credit cards or unsecured loans because the mortgage is secured against the property so it's fairly low-risk for the lender in comparison to say a 0% credit card or a big unsecured loan.
Default Removal Vodafone please help
i have one default issued on my credit history and that was 4 years ago by vodafone
. this is the only black mark myself and partner have. we are both going for a mortgage
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