Cheers mate, confronting and opening the credit file was realy putting ghosts to bed and im not going to deny shedding tears not because i had no CCJs just the memories of a previous life etc it brought back Im assuming the other credit agencies would show if i had CCJs etc and have similar information Again cheers for all the support ill stay with forum and hope i can return the support

Cheers Boo so in theroy athough the debt is over 6 years this could if the collector is an arse stay on indefinately if they keep selling them so much to learn about these lol As ive no need for credit for moment im going to just keep my head down as they say let sleeping dogs lie

This is what the first page shows apreciate im in a lucky postion compared to many A summary of the calculations based on your credit report on Tuesday, March 31, 2009 You have £1,191 of available credit (excluding mortgages) You have £1,209 of outstanding debt (excluding mortgages and defaults) You are using 50% of your available credit You have 5 credit accounts (including settled accounts) You have 0 accounts overdue You have missed 0 repayments in the last year Your credit report has been viewed 1 times in the last 3 months and 4 times in total over the last year You have 0 public information records You have 1 aliases and/or financial associations You have been at your current address for 4 years 10 months You are not on the electoral roll at your current address so what should i do guys? is there another credit agency? do i have to go through them as well

thanks for the help and support heres an update ive removed names etc ive just 2 things that look bad amongst a very good green file as it goes first is this BLACK HORSE LTD Hire purchase/C... Default £7,303 01/03/2009 Hide ENTRY NUMBER: C2 Name: ************ Address: ********** Date of birth: ********* Company name: BLACK HORSE LTD Account type: Hire purchase/Conditional sale Started: 18/12/2001 Default Balance: £6,551 Current Balance: £7,303 Repayment Period: Monthly Payment: £253 over 48 months Defaulted On: 30/06/2004 File Updated for the Period to: 01/03/2009 Status history: [] brackets indicate most recent months status [ ] What's this? Note: A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe. Now this is a complete lie, if you look at the amount borowed and amount outstanding despite a large payment in 2002 last contact was in 2002 this is my 2nd problem but im soon out of water as they say for same period BARCLAYS BANK PLC ... Current Account Default £1,404 07/01/2007 Hide ENTRY NUMBER: C4 Name: MR ******** Address: ******** Date of birth: ******* Company name: BARCLAYS BANK PLC (WOOLWICH) Account type: Current Account Started: 16/10/1999 Default Balance: £764 Current Balance: £1,404 Defaulted On: 21/10/2003 File Updated for the Period to: 07/01/2007 Status history: [] brackets indicate most recent months status [ ] What's this? Note: A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe. Ive recently had 4 searchs from companies ive no idea f and not applied for credit of any kind according to the report Its showing 38 linked adresses and i only heard of 2 of them My Experian score is 806 advice given is Factors that are having a positive effect on your score You make all your repayments on time and in full - no accounts have been paid late in the past six months You don't have any county court judgments and you have not been declared bankrupt in the last six years Factors that are having a negative effect on your score You have several credit agreements (excluding mortgages), and the outstanding balance is high You are not on the electoral roll (registered to vote) at your current address Find out what you can do to improve your score

Thanks for all your help Ive sat and thought and have now joined the credit checking people i have to wait for post and then ill start my road to face the demons as they say End of day if they win then it makes no physical diffrence to me but im dreading the memories this is all going to bring back Ill post for help and keep you all updated :-|

My ex girlfriend left sky and spoke to BT they sold her the BT vision package It all arrived on 27 March 2009 Cut a long story its no good for her, simply a freeview box that costs here £18 a month, worryingly is anything you want to watch realy will cost per viewing The box isnt modern at all it comes with 2 big plugs that transmit the signal to the hub Its confusing as shes never had it she ordered extra channels like kids chanell that had Disney channels and cartoons Whe it came however you dont get the Disney chanels etc just a few old programes previously shown on Disney channel We rung BT in hours to cancel and told too late your in contract When she agread to the system looking ack they made her wait 2 weeks for the box, so she cant cancel I argue the cancelation should start when she recieves the goods and can examine them Are they right ?

This is a post for my ex girlfirend After years of no money problems she now lost her job and on benefits She informed Barclays and asked for interest to be dropped and a token payment holiday They replied no and passed the debt after first payment failed to Mercers Mercers have already written and demanding payment The debt is with Barclays and i feel after all these years to miss a payment and them to pass over is wrong So should she ignore the Mercer side of it? They have to be trading the letter was dated 25/3/2009

No debts that I know of have had any money fo at least 9 years. Those who have caught up with me ( Barclays etc) ive paid and corrected The parking fines etc i have fully paid off Firstly again thanks so much Im going to register my new adress with the credit file people and start this road, reading and working out firstly anything that is that old I did previously complain to credit expert that so much of my file was incorrect, I rung them and emailed and found them totaly unhelpfull the best they done was allow me to make a statement that could be viewed to those accessing my credit file Mind you last time i wasnt armed with the information thats available here The group that support me idea is simply wrap all my debts up past and present and basicly force them to take a pound a week, Im against this despite bieng in a position to benefit from having no debts, But i know it serves no purpose its a big part of a previous life id like to adress and slay that dragon

Wow you hit the nail bang on the head The injurys were almost a decade ago and everything healed now other than ive still got spinal damage and kidney problems I used to work 3 jobs solid 7 days a week and at the time devoted and young thinking all everyone needed was a good lifestyle needing very little After my world crashed and I want allowed home etc I did loose my way and bieng a single man slipped through the net at the time and it took a good 4 years to get to grips etc with the mess i was in However im so lucky now, im nearly all sorted and faced most of my demons with just this credit problem bieng last but one Ive made amends as much as i can whilst working and hold a current account with Barclays and a credit card Both of these are in good order with no defaults in past 3 years and ive no intention of running up debts as simply i cant afford to repay them as i now claim state benefits As debts have caught up with me over the years i have paid them I had a serious problem with the courts as my car was used by them for 6 months and got parking tickets daily, I was held responsible for these and ended up in prison at one point despite arguing she went to court to stop me from removing property from the house etc and after the attack i was unable to work or get legal help Thats all in my shamefull past now though most if not all the debts are over 9 years old but last time i see them were still showing on my credit file As my ex is jointly responsible she also was visited but according to debt collector it makes more scence to hound me as ive no children so i paid up as at that time i was working It seems the company that assumed the debts from the banks then defaulted me for not paying them so my credit file looked terrible It showed several adresses on my file that id never lived at but were given by investigators and charges were added as they had claimed to have traced me and visited me I cant prove ive never lived at any of them and filed my concerns with Experian who added a note to the account and nothing else My bank Barclays have always known where i have been and Alliance and Liecester so ive no idea why private companys have reported tracing me to adresses and wacked massive charges saying i had breached an agreament to pay them The group im with have been great, showing me the benfits i should of had and taken me into to sheltered housing, i cant say a bad word against them They have suggested they take the case on and get all my debts written off if need be via courts but i dont want this I want to somehow work out whats on my file and who is genuinly needed to be paid So ill never have a mortgage etc, I dont mind but i have a credit card with a £1000 limit ( dont want more as id never be able to repay it) and a bank account with an overdraft that accepts direct debit payments A couple of years ago i did have a contract phone which got stolen and as i only had one month left they let the account drop as i had no fixed abode at time My banking is good as stated with a chequebook and overdraft yet i cant get a cash card to use for shopping because of my credit file despite my good history and the fact ive a credit card Not end of world i shop with my credit card andpay it via DD but I do feel bad and worry especialy now in credit crunch wether the facilitys i have will be removed I thought credit notes only stayed on your file for 7 years, most of this exceeds 9 years now Ill join that credit checker and start the ball rolling The past just never seems to move on, and ive heard collection agencys will take a portion of a debt but so far as ive seen all they do is bloat the original charge and then heavily discount to a figure thats a lot more than the debt was Im shocked a collection agency can default you on the credit file despite never having spoken to me I accept a huge period i was no fixed adress ( i was a HGV driver so lived in lorry to build my funds up) yet as said my bank always knew where i have been andevery letter ive been aware of i have rung or answered

Firstly thankyou for taking time to read this. Im asking for someone to help or point me to ways I should be going Im now disabled and on benefits, considered vulnerable and in supported housing at present Im one of the few lucky ones that have been given help, the group im with are fantastic but I dont feel that they can help me with the advice im going to ask for Back in year 2000 i was happy and working and financialy stable, life was good and i was living with my ex I got attacked rather bad that left me seriously in hospital Whilst in hospital my ex decided to get an injunction against me claiming i was physicly violent and this im told can be legaly done forcing me not to return home So i was homeless and facing a court thing ( the claims were later dropped when it later apeared my attackers were im told my ex new boyfriend and brothers ) Anyway in my ascence our joint accounts were cleared and taken to max on overdraft Mobile phones were taken in my name etc As i wasnt allowed back to property i had no idea what was going on It took a good 4 years of bedsits etc to finaly settle down and realise the state i was in I joined the credit expert thing for a year and could see so much on my credit file that i knew nothing about and quit credit expert after mailing them so much wasnt me Now ive got my normal accounts and not the richest man in world but lucky ive a roof over me and physio going good etc Ive read this forum for weeks to try and learn and understand how it all works and still sort of lost Is there somewhere i can go for a fee and ask them to first clear my credit file and deal with anything that can be dealt with? Id like to say Im not looking now or ever for credit, i do have a barclaycard that ive had for a decade now and im not doing this for the reason to gain credit Just if i can get my recors clean and things that should not be there gone id be happy Just you guys are so good at this I wonder if theres a guide step by step in easy terms to follow or a group or company or individual who would undertake this Fees and payments id like to know what sort of money i need to raise before i go into it too much Again Thanks for reading this Dazzle