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zo-po

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  1. Just a quick update after lots and lots of phone calls to creation they have agreed to apply the default at the date issued which was 2011 and early 2012. So these accounts with be removed from my credit file at the most 28 days time. So now I can move on to get my mortgage. Thank you all for taking time to answer my questions and giving advice.
  2. Yeah I know pretty sure I would of won aswell as I bet they cant find a signed credit agreement. I feel for their customer services guys bet they hate it when they get me on the other end of the phone and start to read my file ha
  3. Creation finance, only in my name. Property is joint names with my partner so it’s a restriction on the land registry. Was in a bad place at the time and just buried my head (wrong move). Im not going to let them grind me down though.
  4. There are many many lenders that we accept defaults, arrears (non in the last 3 months.) Ccj sat or unsat. Non in the last 24 months. DMP if in place for over 12mths and can still remain. Rates are around 3.5% ( still cheaper then rent) and increase with the amount of adverse credit you have. Remortgage in 2years and get a better rate as adverse is older. Thanks for your advice. I appreciate it and will start to get that written proof. Thanks again
  5. It’s not the default that’s the problem it the fact the because the default is not on the account as it should be with Equifax, creation are reporting it as 6 months late payments on an account that should not be showing as it over 6 years old. It a backhanded way of ruining your credit file for longer than the six years. if I don’t pay or get the defaulted corrected it would continue for ever as 6 months late payments. No written proof just what they have told me over the phone. Defaults dates are 24/11/11 and 9/1/2012 Here’s Screen shot of how it being reported
  6. I have a lender that will accept the ccj. The problem is creation won’t enter the correct default date with Equifax If they do it will drop off. Can I force them to apply the correct default date if so how? As it stands the ccj with drop off before the defaulted account because they haven’t applied the default. which can’t be right.
  7. Thank you Andy Creation have said that the default were added to the accounts (I have two) 24/11/2011 and 9/01/2012. Over the phone they said if I pay the remaining balance in full they will update the file. If I don’t pay they won’t. Sounds Like black mail to me, as like you say they should already have dropped off due to the date. I know I still have to pay the debt but I need to sell my property and pay with the equity. However, I need to Secure a mortgage first and I can’t because of how they’ve reported this. if I can get it removed as it should be there is no problem and the debt can be paid.
  8. Please can someone shed some light on this for me. Long story short, I have a credit account that was opened in 2010, it defaulted in 2011, CCJ in 2012 and interim charge order in 2012, This account has only been reported on my credit file from 2014. no info is showing for 2012 or 2013 therefore no default shows up and the account is reported as 6mth late payment. Is this correct? if I pay the debt in full does the whole debt fall off my file as it was over 6years old in 2017 or stay for another 6 years after payment. The company say that the default was issued in 2011 and that they will continue to update my file with 6mth late payment until I pay the debt In full even if that’s for another 20 years. Surely this is unethical, are they able to do this? Thanks in advance
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