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morganator

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About morganator

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Just bumping this in the hope someone can help..
  3. One last question! I've looked at my report on-line just now and its a lot better than it was previously but there's a still a few bits that will need sorting the biggest one though is afor a very large debt I had and the CCj was lodged in 2007 so the six years is nearly up on it but I'm sure they also got a charging order on my house for the amount owed (doesn't particularly bother me as I've no intention on selling up) but I'm guessing this will mean the CCj wont disappear on the six year anniversary? Again thanks for all your help
  4. Thanks for those quick informative replies, I will get copies of my credit report from the 3 companies listed, so on the subject of a CCJ (I know I have some and Ive never paid them and they dont pursue me for them) if they are over 6 years old do I apply to have them removed from my credit file and if they try to restart the cases then they have to go back to court?. Im basically trying to clean up my credit record as much as possible in case I need to try and get a mortgage in the next couple of years... Sorry if Im misunderstanding this
  5. Hi all, I have numerous debts from when I was previously married a few years ago, I used this site to send different letters (mostly CCAs)to different DCAs nearly all of them have never contacted me since and Ive just left them alone (let sleeping dogs lie!) Im now thinking that a lot of them will be over 6 yrs old and Ive had no contact with them so they may be statute barred. .does a debt that's statute barred still appear on your credit file?or should it be removed? Also if I had a debt and I was given a CCJ over it does that ever go away (if ive never paid it
  6. Hi all hopefully someone on here can help me with this as it seems fully trained solicitors cant! This has stretched out now over the last 5-6 yrs so i`ll quickly try to explain the situation... Me and my Wife parted company approx 6 yrs ago - we have a joint mortgage. I left her in the house - she never paid mortgage and ended up getting notice of it being repossessed then she left the property and moved in to rented accommodation with her new partner. I decided to move back in the house as I had invested over £40k in it (deposit etc) and I managed to halt the repossession proceedin
  7. I posted this post in another section of the forum yesterday morning but got no response so I was hoping I might get some last minute advice by posting in here.. - Im in court at 11am today! "I have ended up with a debt from HSBC from many many years ago catching up with me big style - I ended up with a CCJ and charging order on my house from a debt that started off at something like £400 and is now closer to £3000 due to fees from the different courts and debt agencies... Arrow global have turned up the heat considerable and sent bailiffs (high court enforcement) to levy on my goods but
  8. I have ended up with a debt from HSBC from many many years ago catching up with me big style - I ended up with a CCJ and charging order on my house from a debt that started off at something like £400 and is now closer to £3000 due to fees from the different courts and debt agencies... Arrow global have turned up the heat considerable and sent bailiffs (high court enforcement) to levy on my goods but I wouldnt let them in but obviously it kicked me into action. I did believe that the debt was statute barred and I applied to the courts to have the ccj and charging order set aside as I have
  9. I recently CCa`d arrow global and had my recorded delivery letter returned to me unopened - I need to SAR Arrow global as Im in a hearing with them at the end of the month and I have absolutely nothing about the debt they claim they have on me (see my other thread in this forum). I realise they have 40 days to reply with my SAR but at least I can show the court I have applied if I get it sent it off asap but I cant find a reliable address to send the request off to.. all the correspondence I have had from them just has a DX 16857 address which is no good .. can anyone help please as Id
  10. I have no idea what the writ of fifa means? all I have done is put the n244 form in at the court and they have given me a hearing date - is there something else I should have done?
  11. Ok Ive been told this is the place where I should tell my story and hopefully get some guidance and advice.. I've been guilty as most have on here of burying my head about debts etc in the past but Im trying to get back on the straight and narrow now.. I went through a marriage breakup and during this time I didnt get to see a lot of my mail ( I wasn't always at the home) I ended up with a CCJ and also a charging order placed on my house by a company called FV-1 (debt company) I ignored this as they never bothered me.. I received a notification from the county court that in
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