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greenweb10

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  1. Yes I did change address around the time and I could have successfully argued to set CCJ aside and pay the debt in full. But I did not had funds to pay off so I did not take that route. Now my concern is not CCJ. It is the Natwest Loan overdue payment entry on my file which should not be there. If you can help with that then that will be greatly appreciated.
  2. Thanks BankFodder. No, I did not miss any payment. I am not sure either why they did this as this CCJ made my life hell. CCJ is now due to come off my file in May 2018 but as there is still this Natwest Loan (missed payments) entry so it will continue to wrack my credit history even after CCJ is dropped off next year. I am now clueless what to do.
  3. Hi, I took a loan from Natwest in 2007 for 5years but couldn't keep up payments from Feb 2009. I entered a debt management plan with all my creditors in August 2009. In May 2012, Natwest passed it to Shoosmiths Solictors who filed for CCJ which was granted in May 2012 (but I came to know about it 10months later). I am still making payments as part of debt management plan which is expected to last for another few years. On my credit file, Natwest Loan is still showing and it is not in default. It shows as I am missing payments each month. I contacted Credit Reference Agency who contacted Natwest but they were told that it is correct information so it should not be removed. I contacted Natwest by phone who said they never issued a Default so they cannot remove it from my file. They also said that they do not remove it until it is fully paid (which sounds very strange). I read somewhere (not sure where) that if there is a CCJ then creditor has to issue a default before CCJ date. I am not sure where to start and who to contact and what to write. I was expecting default to be issued when 3-6 consecutive payments were missed but don't know why it is still there. I will really appreciate if someone can guide me. Many Thanks
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