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  1. I subscribe to Noddle a free credit score and report checking service. I can see that Robinson Way accessed my credit file in November. It is about a debt I had with egg about 9 years ago although I continued to pay £5 a month until 2011 so not statue barred. I had just managed to get a good score as the previous default occurred so long ago. They have started legal action again which means that a debt taken out in 2004 which defaulted around 2006 will be shown on my credit file for another 6 years if they are successful with the legal case. So all in all 12 years of no credit for me at sensible rates. This cannot be what the government intended with CCA legislation. Also can Robinson Way access my credit file without my consent ?
  2. Hi I was wondering if anyone could advise me. Back in 2010 I had around £32k of debt (mostly credit cards and and a loan/overdraft). I lost my job so I stopped paying my debts, as I was no longer in a position to pay them. Over time I got back into work, however I was now being offered partial settlements on some of my debts and because of the massive hole I was in at the time I decieded the best way to clear the debts would be to take up this option and pay a reduced rate. I typically paid around 33 per cent. Using this method I cleared all but 1 of my debts by January 2015. Since the start of the year things have been going well for me in work and I along with my wife have been able to save a deposit for a mortgage. I then recieved a letter from the last remaing credit card offering a partial settlement on the account of 33 percent. I decided to take it as I believed it would help me get a mortgage as my credit file would show 0 debt. However I was aware that the likelyhood was the default and debt would be written off regardless in the next year. I have now found the company I am applying for the mortgage with belongs to the same organisation I have recently partially settled an account with. Can anybody advise if I am likely to get a mortgage because of this or should I try an alternative mortgage provider? Thank you in advance for any advice. elvis77
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