Default notices - Help!!

[gibeno]

Hi,

 

please can someone help me?

when i was a wee nipper (18 years old) i took out an absoulte load of credit while i was just earning 12k a year. i fell behind and didnt pay back the debts until 2006 - most accounts have had default notices issued on them..

 

all my debts are now clear - even ccj's however they are still obviously on my credit rating..

 

i'm working hard to restore it now as i'm settled and looking to get a mortgage with my partner.. even though i'm registered to a different address (for 3 months on voters roll) my linked address has the defaults on it.

 

as i have cleared these can i reuqest they remove them to try to improve my credit score?? i also have a settled ccj which i'd like removing if i can??

 

i also only have my phone bill as credit - apart from 1 account (was a 9k loan with halifax) that i.m still paying. i only owe 4.8k on this now..

 

please can someone help?

[natlani]

Hi there. I had a CCJ- had it removed last week as set aside application Judge agreed to set it aside. I still have 2 defaults though! I asked DCA if I pay it will you remove it? They said no!

 

CCJ- SET ASIDE APPLICATION N244 FORM- you can download it and state your reasons for instance you did not get the papers.

 

Defaults- You need to send a letter requesting true signed copy of default and credit agreements. Also with the advise on this forum it appears doing a SRA is important even though it costs £10. You can reclaim bank charges and then go to court as a result of receiving charges which made you default! Hope this helps