Help - Credit File Nightmare

[misscher33]

Hi

 

I was wondering if someone could help me. After obtaining my Callcredit file online today I noticed that Cabot Financial have listed the same credit card debt twice with a default date of 31/5/2006 for both, am I right in thinking that Debt Collection Agencies cannot issue defaults? Also it is issued twice which is a bit hard to understand too. There is also a ccj from 2004 which was issued in Northampton court which I don't recall, as I am from Northern Ireland is it fair to say that the ccj should have been registered here in NI not Northampton? Sorry for all the questions, I got the fright:eek: of my life when I received my credit file, if anyone can advise that would be great, thanks in advance!

[lickthewallfatboy]

no-one can default anyone for the same account twice......and if they cannot produce a CCA for you,they cannot default you at all

 

CCJ's cannot be granted in England against NI people......whoever got that issued against you should be pursued to have it removed

 

who was it,as a matter of interest?

[misscher33]

Hi, thanks for your reply, it is from MEM which is a payday loan company. I don't recall obtaining a payday loan so I really need to look into this. Thanks for the info and I really hope I can get this removed as I need to secure a loan in the near future so I have no chance with that on my file.

[lickthewallfatboy]

do a SAR on MEM

 

if they have nothing on you,I would look into sueing them for financial defamation as well.....

[misscher33]

Is there a chance that they could challenge this in a Northern Ireland court?

[lickthewallfatboy]

if you SAR them and you were never a customer,then they are in trouble.....no matter what they think

 

you can't get a CCJ for something you never owed in the first place

[misscher33]

I don't recall taking out a payday loan but as this was a few years ago there is a possibility.

[lickthewallfatboy]

you really have to check up on this......as a matter of some urgency

[misscher33]

Yes I am addressing this with urgency, I am searching through all my paperwork to see if I have anything that relates to this. I am willing to pay this ccj off if it belongs to me, I am just scared that they will reissue the ccj (if it in fact belongs to me). Ok, I need to get the subject access sorted, I take it this is the initial credit agreement that I am asking for? Sorry for all the questions but this is all very new to me

[lickthewallfatboy]

the SAR will throw up everything they have pertaining to you(if anything)

 

if you were involved with them,this will show it

[misscher33]

I called Northampton Court today and they informed me that the CCJ should never have been issued as Northern Ireland is out of their jurisdiction, they are going to remove the CCJ:D. I will wait to see what happens now that I have sent the SAR to Mem.

[D&M-GIANTKILLERS]

Nice one mischer.

 

If i were you i would report them to the Information Commissioner as well. If the CCJ should never have been issued they would be in breach of the Data Protection Act i think.

 

If its been on there a while, you may have had bad effects without realising it.

Perhaps you have applied for a loan since this was palced on your file.

The loan firm could have seen this on your file and offered you a loan of a certain rate, which may have been lower if the information had not been on your file.

 

 

What i mean is, one CCJ may not have stopped you getting a loan, or other credit product, but you me getting charged more in interest for any credit product you may taken out.

 

D

Edited January 22, 2009 by D&M-GIANTKILLERS
more info

[misscher33]

Does anyone know how long it takes for the District Judge to set aside a CCJ?