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Getting older

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  1. I am sending the SAR today, what should be my next action?
  2. I have written to them with my current address and have received no response. Should I be asking for a SAR to see when the last payment was taken? My biggest concern is that they default it from a later date. I have no idea what my first course of action should be.
  3. Thanks DX, I am going to research it now. Should I push to get the debt defaulted as it's the only negative on my credit report, I am eager to know what action I should take in getting the debt defaulted and removed from my credit file.
  4. Thanks DX, I appreciate your help with this. Surely it should have defaulted by now?
  5. Hi, I really hope someone can help. I took out a secured loan with Kensington mortgages back in 2005 and struggled to keep up on the payments. In 2009 I defaulted on my house and it was repossessed , there was a shortfall in the selling price of the house , my current mortgage lender stated that they would not chase the debt . The issue now sits with Kensington mortgage, the house was sold in 2009 and Kensington have not defaulted the debt but keep submitting 6s on my credit file, I have a feeling that it was around 2006/7 that I fell behind on my payments b
  6. Yes, I telephoned the court and this is also stated in the letter that was sent out by Lowell. I have just printed off the SAR, out of interest what happens if they can not supply me with the relevant information?
  7. I have just looked at my credit report and the ccj was actually registered in July 2009 but the account defaulted in October 2008
  8. Apologies I have found the attachment.
  9. Thank you so much for your help. The ccj was registered in October 2008. I will send the SAR to The British Credit Trust. Is there anywhere that I could get a template for the SAR?
  10. Not sure how I can get hold of the court claim letter, any advice would be most appreciative.
  11. I currently rent and have very little assets, I do have a decent job. The ccj was issued in 2008 by Northampton court. The ccj was gained through the British credit trust. At the time I had a pretty hard time, I lost my wife during pregnancy hence why I left the country to sort my head out.
  12. Hi, I wonder if I could get some advice. In 2007 I bought a new honda civic type r for £26k. At the time I had a good job, the HP agreement was taken out over 5 years. 6 months later I was made redundant and struggled to keep up payments. After speaking to the loan company I handed the car back after 1 year, I was informed that the car would be sold on and that would be written off against the car and I would just be paying the difference. They never contacted me, I then went abroad for 6 months, while abroad I was offered a job in a different pa
  13. Hi, I wonder if I could get some advice. In 2007 I bought a new honda civic type r for £26000. At the time I had a good job, the HP agreement was taken out over 5 years. 6 months later I was made redundant and struggled to keep up payments. After speaking to the loan company I handed the car back after 1 year, I was informed that the car would be sold on and that would be written off against the car and I would just be paying the difference. They never contacted me, I then went abroad for 6 months, while abroad I was offered a job in a different part of the uk, I returned home for 2 months bef
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