Help Please - CapQuest

[dx100uk]

strange they allowed him to get another account having already had issues.

 

i think you need to get a copy of the ccj from the court

and check what address it was sent too, to investigate the set aside.

 

as for the defaulted account.

 

an F&F to crapest with the strict condition that they remove the default if ne pays it , might sort that one.

 

but

 

i'd SAR orange

lets see if there are penalty charges to get back to reduced the default balance

 

might eventhrow up info on the CCJ debt

that might swing the case too

or point to another issue that might null it.

 

i think ducks inline are the first order here.

 

dx

[Princessdawn87]

so... my next step is...

 

WRITE to Orange requesting SAR and see the reply from them

 

i really need to apologise but i honestly have zero knowledge of anything to do with this, this is why i may seem like im repeating myself or asking silly questions... i just need a list of the things i need to do first and then await replies... i suppose it would be slightly easier if there was just 1 company involved but its 3 - orange, moorcroft and crapquest

[dx100uk]

no both

the SAR will cost £10

 

but should legally give you everything they hold an any accounts.

 

dx

[Princessdawn87]

both?

 

just written the sar letter to be sent to orange in the morning

[dx100uk]

just send the sar

 

dx

[Pasetos]

Orange don't add charges on the account and sold debt doesn't include contract charges so no get out there

[Princessdawn87]

He's rang cal quest this morning and they said they won't accept any less than 288 and it won't come off credit file

[Pasetos]

they will if you push em they bought it for pennies in the pound so just push a bit more and tell em its that or nowt -

[dx100uk]

it would be better if you did everythign in writing concerning these muppets and the the ccj too

 

its not a good idea to negotiate on the phone

 

dx

[Princessdawn87]

ok... im sending a lot of letters here

 

part of me is thinking if he should just leave them for the 6 years

 

im hopefully trying to sort a mortgage on my own - had an offer accepted again so if i can sort it myself then we can do it that way until after the 6 years and try get him a mortgage then - thoughts?

[dx100uk]

yep post 8

 

dx

[Princessdawn87]

Just spoken to someone about my mortgage and they've told me that after I buy the house and if he is registered as living with me then but not named on the mortgage that I will never get credit again? Is this true? His ccj is finished in 2015 after 6 years so will he not be able to go on a joint mortgage then? Am I supposed to just never live with him because we will always both be in credit trouble even though my credit file is excellent? They've really worried me

[dx100uk]

what muppet told you that?

 

dx

[dx100uk]

LOAD OF RUBBISH!!!!!!!!!!!

 

 

what low life pratt told you that

 

 

not been phoning these DCA's have you?

 

dx

[Princessdawn87]

Noooo... I was simply asking a question about best mortgage deal etc and someone queried why in my name only etc so i didnt go into detail just said this was the best way we was doing it due to credit and they said to me...

 

this could seriously damage both your credit records for the future. and any career prospects you have (because i work in a bank)

 

so i asked how?

 

and they said... by association, you will be linked at living at the same address. anyone reviewing your credit file with notice this.

 

i explained we have no joint accounts, mortgage in my name... we even bank with different people but they insisted that because he will be living there we will be linked and could effect me ever obtaining credit as well as him... and that crap about my job!! how will me working in a bank and living with someone with a ccj ruin my job?

[Princessdawn87]

LOAD OF RUBBISH!!!!!!!!!!!

 

 

what low life pratt told you that

 

 

not been phoning these DCA's have you?

 

dx

 

haha this made me laugh

[dx100uk]

well IMHO that advisor want urgently retraining.

prob just trying to do you a deal!

 

there is obv some truth in the words.

 

yes you will be financially linked by CRa , though you 'could' dis associate yourselves.

 

however his CCJ cannot affect YOUR CRA nor YOUR job .

 

dx