A question Bones76. Have you applied for any credit recently and been accepted, because if you have then there are no CCJs on your records. These days lenders only need a sniff of a problem and they'll turn you down. If you haven't applied for any credit then do so, like a credit card or something, then if rejected follow it up. If granted then you are in the clear. Wise advice from debt4get to stay away from humphries he is a total ****** and a licenced thief!

you can apply for the case to be dealt with in your local county court yes, if it exists that is. check with Experian first being sure to give them all your previous addresses and correct dates that you lived at them.

The best credit report site to use is Experian, this should tell you what you need to know because if there is a ccj registered against you it will be there however, any accounts older than six years that are closed, dormant or defaulted are automatically removed.

Been in IT all my life and this is a very poor unuser friendly site. I've converted the files to.pdf so you can see everything clearly Thanks R

Attachments changed to .pdf

Ok. I now have all the paperwork. There does not seem to be anything in the policy suggesting a mortgage promise, however we do have a part letter from the financial adviser that the multiplan policy is designed to repay the mortgage in the long term.

The insurance company is AXA and ye they have the contract. There does not seem to be any promise however I am awaiting them to bring me the file on this now that we have some feedback and I can continue

I am acting as a third party here so I'll contact them and put the question to them. Back soon, thanks.

Back in 1988, the backlash of the recession caused a massive reduction in the size of our family business, and my parents were advised to sell the family home and buy a smaller property. Moreover, to get an interest Only Mortgage in case of the liquidation of the company whereupon should they be left unemployed the total of their mortgage payments would be covered by the DSS as it was in those days. To do this a separate insurance policy ie like an endowment needed to be set up alongside the mortage to cover the balance of the money owed upon completion of the mortgage. The business did fold and as suggested, the DSS covered the mortage payments until such time that they moved the goal posts on mortgage interest, and now my parents, who are now both sick and claiming non guaranteed pension credit have to pay from what little money they do have to live on. This however is not my main gripe. A financial adviser, who was known to the family and company was employed to find such an insurance policy. He was never suspected of any foul play as he had been in and around us and other friends and business colleagues for years. Unfortunately, the policy that he sold us falls almost 2 thirds short of the balance that will have to be paid in around 18 months time. We have been in contact with the financial ombudsmen who say they cannot assist as they need evidence that the policy was mis-sold. The afore mentioned financial adviser needs to be contacted to clarify this they say however to all intense and purposes he was last seen heading in the direction of the Sahara Desert on the back of a camel !! They are now left in a position where they cannot get legal aid any more for some mad reason that I cannot explain and also facing the possibility of eviction from their home in the near future as they will be in the position of owing a large chunk of money to their building society which they will not be able to pay. They are both past retirement age so the likelihood of the society agreeing another mortgage with them is fairly remote so we are now at a loss as to what to do. All payments to the policy and the mortgage are paid up to date and their credit history is good if not excellent as they seem to manage what little money they do have rather well. Any mortgage requires life insurance which will be impossible for them to gain as they both have medical conditions that would load any life policy beyond reasonable affordability. A barrister has looked at the case and has said he cannot help, but I suspect that this is because he is obviously privy to their financial situation and has assumed that they will not be able to afford his fees, should the case go against them and there seems as mentioned to be no legal aid available. Has anyone any ideas on how I can help them. I am a well educated man with lost of experience of life, dealing with people and so on however, I am an early retired IT consultant due to the need to look after my mentally handicapped son and not a lawyer! I have the time but not the finances nor the know how in order to assist.

Thanks. Good job I don't need it anymore then!

Thank you for the lesson I was aware of that, but surely by virtue of correspondence you are acknowledging the debt!! A very dodgy grey area that could easily be misconstrued methinks!

Back in 1988, the backlash of the recession caused a massive reduction in the size of our family business, and my parents were advised to sell the family home and buy a smaller property. Moreover, to get an Interest Only Mortgage in case of the liquidation of the company whereupon should they be left unemployed the total of their mortgage payments would be covered by the DSS as it was in those days. To do this a separate insurance policy ie like an endowment needed to be set up alongside the mortgage to cover the balance of the money owed upon completion of the mortgage. The business did fold and as suggested, the DSS covered the mortgage payments until such time that they moved the goal posts on mortgage interest, and now my parents, who are now both sick and claiming non guaranteed pension credit have to pay from what little money they do have to live on. This however is not my main gripe. A financial adviser, who was known to the family and company was employed to find such an insurance policy. He was never suspected of any foul play as he had been in and around us and other friends and business colleagues for years. Unfortunately, the policy that he sold us falls almost 2 thirds short of the balance that will have to be paid in around 18 months time. We have been in contact with the financial ombudsmen who say they cannot assist as they need evidence that the policy was mis-sold. The afore mentioned financial adviser needs to be contacted to clarify this they say however to all intense and purposes he was last seen heading in the direction of the Sahara Desert on the back of a camel !! They are now left in a position where they cannot get legal aid any more for some mad reason that I cannot explain and also facing the possibility of eviction from their home in the near future as they will be in the position of owing a large chunk of money to their building society which they will not be able to pay. They are both past retirement age so the likelihood of the society agreeing another mortgage with them is fairly remote so we are now at a loss as to what to do. All payments to the policy and the mortgage are paid up to date and their credit history is good if not excellent as they seem to manage what little money they do have rather well. Any mortgage requires life insurance which will be impossible for them to gain as they both have medical conditions that would load any life policy beyond reasonable affordability. A barrister has looked at the case and has said he cannot help, but I suspect that this is because he is obviously privy to their financial situation and has assumed that they will not be able to afford his fees, should the case go against them and there seems as mentioned to be no legal aid available. Has anyone any ideas on how I can help them. I am a well educated man with lots of experience of life, dealing with people and so on however, I am an early retired IT consultant due to the need to look after my mentally handicapped son and not a lawyer! I have the time but not the finances nor the know how in order to assist.

Just for the record, I had a problem with Finance U many years ago which caused me to voluntarily surrender my car to them. Fortunately soon after, my work took me abroad. I came back after 9 years, and they found me and tried to enforce the agreement. My solicitor dealt with it as he said they were "statute barred" from continuing as there had been no correspondence from me for longer than 6 years. Nothing now shows on my credit file but beware anybody. If this kind of thing does happen and you corresepond the staute of limitation is reset and gives them 6 years to persue you legally so think twice before replying to any of their correspondence. I woild love to know when this case goes to court, I am now retired and have all the time in the world. I would really enjoy sitting in court listening to the case. Would give me a chance to gloat at those