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About Blueoverdebt

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  1. In 2008 I had a run of bad luck, firstly I lost my well paid job and had to take a much lower paid job and then I became poorly and was unable to work so only got paid SSP. Long story short I defaulted on my mortgage and my house was repossessed at age 27. I moved to rented accommodation and waited to hear from Northern Rock about my situation. They never contacted me so when I moved again I sent them a letter with my new address details and asked them what was happening with my defaulted mortgage. They still didn't write back to me. A lawyer friend advised me that they had probably written off the debt and claimed against their insurance and wouldn't pursue me so I just left it at that. Yesterday I decided to check my credit report because my husband and I want to buy a house later this year and it turns out I have a CCJ against me for just over 10k. My actual mortgage shortfall was about £88k and is showing as a satisfied debt on my credit report but when I took out my mortgage (as a young and silly girl pre housing market collapse) they gave me a 125% deal with £10k ish as a loan. I'm assuming this is what the CCJ is for but this £10k isn't showing as an outstanding debt on my credit report. There is however a second NR debt, called 'loan from NR' showing as £88k and as settled - it is so confusing! NR did recently write to me at my current address to let me know that they may have missold me PPI and that I could claim against them (which I'm not!) so I know that they have my correct details. Could it be that they show the whole debt amount on both entries on my credit report but only applied for a CCJ against the loan part? If so then why is it showing as settled? Also, why haven't they pursued me for the debt but have a CCJ against me? Sorry for all the questions but I'm super confused by the whole thing! As I never received any letters or phone calls about this debt/CCJ is there anything I can do about it? It runs out in about 18 months so when it comes off is that my slate wiped clean with NR or are they still able to pursue me for the debt?
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