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    • And with 33% equity nobody will care either.
    • 3 threads merged please keep to one thread.   forget the calendar section of a credit - no-one bar the original creditor and the person can see that   its the summary status line the any potential lender will only see.   so as it stands, she as 1 or 2 in the calendar section which, correctly shows she was either late with the required payment for that month or short paid what should have been.   although these will effect here potential 'score'. as said above only the lender and her can see them
    • I haven't had a chance to read through his contract yet but he is insisting that it says of he leaves his position within 2 years he will have to pay back his course fees. I will read it properly though and get back to you  Thanks for your help so far 
    • Hi all,   New to the forum, so please feel free to move the topic if needed.   I need a little help with a used car: I bought an 04 BMW from a dealer about 2.5 weeks ago. It cost £1,600. I gave it a test drive and it seemed pretty decent so paid via bank transfer and took it home. The issue started when I took it on a national speed limit road as the car started to sway on the road. I reported this to the dealer and he agreed to fix the issue. He took it to his mechanic who informed him that it was the drivers side hub. They didn't have time to fit it so gave me the part and the option to use a local mechanic. The mechanic agreed it would be causing the sway, charged me £80, which the dealer refunded to me.  The car was improved but we went on a short break over the last few days and I drove the car about 35 miles away. The issue now is there is a rumbling sound, noticeable on motorways and it doesn't feel particularly safe, especially over deviations in the road. As the swaying was the main issue I can't say if that rumbling was there to begin with.   The dealer has been fair to me so far in refunding me the money but he did admit he only test drove the car and it wasn't checked over fully when I took it back the first time. My mechanic said the play on hub was so bad it should never have been sold in that condition. I have messaged the dealer this evening explaining the issue but he has been a bit defensive saying the car does not have a warranty and he has already spent money on repairing it. He will need to speak to his manager and get back to me. To be fair to him he has attempted to repair it but for me he should never have sold it without it being mechanically checked over.  What do people make of this? What are my options if he won't budge and I need to take it further. I would like a refund rather than another repair as I feel I have been pretty patient so far. At the moment I have a car that isn't safe and I can't afford to take a £1,600 hit in my pocket.   Many thanks,   Mark.  
    • I have threads elsewhere re a repayment plan (6 months) with Barclays Mortgages during a maternity leave. Arrears now paid, trying to re-mortgage but with great difficulty. Not really advised of dire consequences of this decision, trying to get SAR info but no luck with telephone recordings as yet. Complaint handler appear sympathetic but who knows to what extent. Looked at Which website and they mentioned a Goodwill Adjustment letter which I have never heard of. Intention of this thread was to see if anybody had used this to remove bad markers from their credit files.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
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      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
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      The cost of the items was about £40.
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      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
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      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
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      Thanks for reading 
      • 16 replies


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I have a CCJ from 2007 which I paid 5 months later to the creditor directly and receive a statement showing the account settled.


(and I know this is my fault, I have dragged my feet getting it marked as satisfied. so stupid)


However, I just found out that my application to a letting agency has been declined because of this. I offered to show the proof from creditor it was paid etc they said they need to letter of satisfaction from the court.


I've tried contacting them today, they are shut so I am going to the court in person tomorrow. I am just wondering if I show my proof and pay my fee can they issue a satisfaction letter on the day (tomorrow) as my letting agency are unwilling to wait any longer and I will lose my flat and deposit :(


so gutted.


(I'm in Scotland btw) any help would be MUCH appreciated.

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Sorry, I just saw this. Scottish Courts don't issue CCJ's, only Decrees. It is the original pursuer who needs to confirm to the court (England?) that the action has been settled (Discharged), and this is then noted by Registry Trust who acts as the centralised store f judgements for both England and Scotland.


YOU cannot go to the court as they will have no information on old actions, and it is the pursuer who can only advise on this. Bear in mind that if the debit is already shown on your Credit File as 'settled' nothing else will change, as it sits there for 6 years.

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probably because we don't have County Courts in Scotland. Buzby is quite correct, to ensure it didn't appear on your your credit file it needed to be repaid within 1 month.


In practice unless its for a large amount, has taken ages to be settled, or worst of all is still live, it shouldn't present too many problems. You can't blame the letting agency for being cautious though, there's plenty of villains out there.


The quickest solution would be to get an up to date copy of your credit file and show them the entry to prove its been satisfied.

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Thanks for the replies, sorry it's taken me so long!


The issue was mainly that I received a letter of Satisfaction from my creditor (SAAS) which contained absolutely everything needed (decree number, court, date granted, date paid etc) and it had details to send to the Registry Trust to have it amended.


However, the letting agency had completed the credit check through a company who kept asking for a letter from the "county court" to which I nearly exasperated myself explaining in Scotland...we don't have em!!!


Long story short, I went to the Sheriff Court and a very nice Sheriff Clerk stamped + signed my documents and offered to call this company for me and I'm now in my flat.


what a hassle! i willl never ever ever ever ignore a summons (hopefully as i won't get one) I wish I had not been 18 when I received it = young and scared. :(

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