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About iregretitall

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  1. Hello, I recently discovered a CCJ on my credit file from July 2011. I never received a default notice due to them having an old address and also they have said its £247. The original loan amount was a lot lower than this. I had forgotton about this debt I got a bit worried when seeing this and completed the form to bypass the charge for filing the N244 and offered £1 a month that was accepted as I am on JSA. After reading some peoples threads on here about fighting to get it set aside, I feel that as mine was done via Judgement by default as I was not aware of it c
  2. Hi All, Im in need of serious help I think, Where do I start to get this all cleaned up and hopefully one day get accepted for a sub-prime card to rebuild things. I have not acknoledged a lot of them in the years they have been defaulted. The CCJ was issued to old address so was granted to them so I have completed the form to vary the order to £1 a month first payment on 4th april. Im on Jobseekers Allowance so not much hope in paying them Credit Expert LLOYDS TSB BANK PLC Entry Number: C1 | Account Updated to: 11/03/2012 Default Date:
  3. UPDATE: I spoke to NationalDebtLine and they advised me to obtain N245 & EX160 forms from my county court which I did today and have completed these and as I am on JSA I can offer £1 a month. I have completed these just waiting for my partner to get her previous 3 months bank statements as we are below the threshold to pay the costs. Any other pointers that I should know before handing this in will be very much appreciated. NationalDebtLine advised me not to come to an arrangement with the creditor directly and to do it via the court.
  4. I was told that I dont have much chance of them being setaside I was advised because it is my responsibility to keep creditors informed of any address changes. Is this correct ? or is there still a chance I could ? Would a CCJ accept very small monthly payments and still offer to set aside upon completion of payments ?
  5. Hello, I did a credit file check the other day and notices a CCJ on there from July 2011. I do know what its for and they had sent the papers to an old address, I completley forgot about this when I moved leading to me only finding out on the 11th. I sent an email: With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement. I understand that under the Consumer Credit Act 1974 (Sections 77-79), I am entitled to receive a copy of our credit agreement on request. I understand a copy of our credit agreement should be su
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