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Everything posted by Anonuser

  1. Thanks, dx. I'm going to go over the other 2 CRA (Experian/Equifax) and make are everything is correct with addresses, should I then expect an influx of letters if I were to update old addresses? I've moved a lot so only have a rough estimate of time (shared housing). I only have a CCJ, all over debts have been paid/cleared. On all 3 I'm on the electoral roll at my current address.
  2. Hi guys, I've been searching around the web but cannot find an answer to this: I want to know if a CCJ is linked to a name + address or name + other details. I want to check my details via the trustonline but seeing as each address costs an additional £6 I want to make it count. Is the best way just to register on the big 3 CRA and list every known address even if the dates aren't perfect? My issue is I've moved around dozens of times and can only piece a few of them together. I was sent a CCJ to an old address over 5 years back I had no idea of this until a few years later. If someone was to search my last 3 addresses + full name would this CCJ show or is it only if they have the address the CCJ was sent too? Noddle shows this CCJ at an old address but experian + equifax are clean. So it made me wonder how a CCJ actually gets linked. Thank you.
  3. Because a CCJ is more than just an inconvenience. I'm not concerned about anything else they may try doing, I just didn't want a black mark on my record for another 6 years. If a DCA has the power to apply a CCJ ( backdoor or in any case) then I think that warrants some concern.
  4. Thanks guys, will give it a watch. (although a bit nervous to now :D) And dx just to clarify, in the unlikely event that a judge did allow a CCJ to be enforced after 6 years, are you saying that it doesn't appear on a credit file but the claimants can still chase as usual? Thank you.
  5. @dx - Interested to see/hear behind the scenes. I'm BBC would have a doc somewhere. @London1971, thank you. Ironically that was the first letter in a few months a few days after I checked my report. Coincidence perhaps.
  6. That's cleared that up then! Is there a thread/article you know of where it goes into the type of people who actually work for these agencies or maybe someone's friend etc.
  7. Thanks for clearing that up dx. Is it also true that Lowell's are the 'good guys' out of a bad bunch of DCA's?
  8. I'm reading that a claimant can apply for a CCJ renewal after 6 years by reapply to the courts (with good reason as to why it wasn't resolved within the 6 years). Quick google search, this wasn't the link where I read it from but pretty much said the same thing. Image below, Thanks. Chocolaterecipes-.pdf
  9. Indeed. My thinking was maybe offer them a lower price just to get them out of my hair. I made a thread last year about the same CCJ for another reason but as it gets closer to 6 years I've been thinking about the 'what if'. I've been trying to find people who've had a CCJ reapplied, not many I must say and I don't know the reason behind it (I hear the courts can favour claimants if the debtor was out of the country etc. How much does it cost them?
  10. Hi CAG I've a 5.5 year old CCJ which I only found out checking my report as it was sent to an old address. It was sent a month after I moved (2015). Lowell have recently written to me reminding me of the CCJ to my new address. My question is: If it was to go past 6 years and Lowell tried to re-apply, 1. Would I be notified by the courts at my new address or 2. Is it simple a extension of the old CCJ with no chance to defend 3. They send the CCJ to the old address again? After so many years the last thing I want to do is be in contact with a DCA. I know I don't get to choose but had this been the bank, I'd feel much better contact/setting up a repayment (which ironically is what I should have done before all of this!) Thank you.
  11. Good day, Nearly a year ago I sent a SB letter to Robinson Way, they responded they'll update their records but I never specifically said "this is my new address" on the letter. My question is when moving house is it enough to put the new address on the top of the letter or do you need to explicitly state "this is my new address"? I've not heard from them since but you never know. Grateful, Thank you.
  12. I wasn't sure if me giving my notice meant that I'm now going to have to be out at that date, but technically I'm still paying rent and have given two months notice.
  13. Once again, thanks for the help. I have one last question, as I’m now going to be paying 2 months rent, does this mean I could potentially stay up to that second month? My flights may be delayed for a week (moving abroad). I was going to get an air bnb but thought I’d ask here. I’m guessing this may be down to the discression of the LL. Thanks guys
  14. I'm most likely going to be doing viewings so the new tenant will probably be signing the tenancy whilst I'm still in the property. I did always wonder how it worked when people say the LL can request for amount for ending early but then have someone else move in a few days later.
  15. All bills plus two months rent. It's a private let. I don't disagree. I'm not not going to pay, I'd just like to know if he is correct in asking for two months rent when someone will be taking over my room shortly.
  16. Sorry guys, I meant 'There isn't a break clause'. Date of tenancy 1st Sept 2017, ends on 31st Aug 2018. Emailed landlord March 1st 2018. The LL is fine with the moving out, just wants all bills paid when leaving.
  17. Hi guys, I wanted to get some advice before I part with my money to my Landlord. I'm in 12 month contract, no break clause with 5 months left but I've just accepted a new job abroad at the end of this month. I contacted the LL with a months notice and explained I'd get someone to take over the tenancy but they're saying as I need to give 2 months notice, they will need two months rent (my deposit plus an extra month). The LL is in the process of already getting a new tenant, probably giving them a fresh 12 months. Is the LL correct in asking for 2 months rent? In the agreement it states: If the agreement is not brought to end by either party on the above date, it will continue thereafter on a monthly basis until terminated by either party giving no less than 2 months notice. This is the only mention of '2 months' in my agreement. Thanks for your time.
  18. Just to add, 15-16 I was owed £396, is it possible to do the same any self employed losses against PAYE this that year too?
  19. Indeed, I'll know for next time now. Mine have anyways come as a check, Ive not seen an option online. It does ask for my bank details but the last one was via cheque.
  20. Thank you. That seems to be it, it's now telling me I'm owed £85. Which obviously needs to go towards "Tax for dummies" I'm going to wait until my p60 comes through to double check the details and send. Thanks for your help. Hopefully business should be better next year, and yes I need an accountant. Appreciated.
  21. Just to add, the paper returns seems to be different to online. (capital gains section)
  22. Thank you. Under the self-employed section 4 - I've filled out profit with loss £2500 Which shows (Net business loss for tax purposes: £ 435.00) Even if I removed my "employed" section the results are still the same with how much I'm owing. Which section am I missing here?
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