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  1. Hi All Bit of a long one but I will keep it as brief as possible. I recently started employment within the financial services industry. Their policy is to check new employees for CCJs. Turns out that I had one dated Feb 2008 from HMRC (tax debt) to the value of £5648. Because of this, my offer of employment was withdrawn three days after my official start date - 19th August. I contacted HMRC regarding this CCJ as I had no knowledge of it. While speaking to someone, he instantly told me this CCJ is incorrect due to a mistake on their part and in 2012 they deleted th
  2. Hi, My name is James im 21 years old, and I have messed up really badly this time. I owe at least 10 different payday loan companies, various amounts between them. I messed up with the money gambling, and its not the first time this has happened, however i am determined never to gamble again now, but that is a different story. I recently had a slip which led me to losing alot of money, and carelessly taking payday loan after payday loan to gamble rather than go to work. Not only have I lost my job because of disappearing for a week, but i have also lost all the money from the l
  3. Hope you can help me?I have been working in my new job (Investment Banking) as a contractor for a year now and got offered a permanent role. When then did a 'thorough' credit check they asked to see my Credit Exeprian report which has 6 defaults on there (from when I lost my job a few years ago and couldnt keep up with repayments and STUPIDLY buried my head in the sand). Because of these defaults they have decided to withdraw the offer of a permanent role AND end my contract.I have been making regular repayments without fail for 2-3 years now on all these defaults.My questions are:a. if i ma
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