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    • Hi All,   I was going to post an update after a month had passed since I sent my SN but didn't get around to it, after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! .... Anyway, on Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! These people really are tiresome ....   Details to follow ....   (EDIT: just noticed this is the 13th post as well! .... not that I'm superstitious, lol! 😂)
    • I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.   Bankruptcy, CCJ or IVA This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you. You have no public records. GAIN (Gone Away Information Network) Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit. You have no GAIN records.
    • I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc. I have been pretty fine with my finances until now, until this mess I managed to get myself into this year   There is nothing showing on the TransUnion credit report about an old CCJ. Is there another place I can look to see if there was one and if so how long ago?  I have signed up to TransUnion and on there it says (in Search History):   ORGANISATION PURPOSE DATE Transunion Consumer Id Check (Ml)   Identity Check for Credit 15 Apr 2024   Nationwide Building Society (Sr,Tac,Ct,Cval,R) Nationwide Building Society Bav (Cval Ml) Anti-Money Laundering 11 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Ar) AF 10 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Cr Bsb) Quotation Search 10 April 2024 I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do).    Public Information Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money. Bankruptcies and Insolvencies You do not have any Bankruptcies or Insolvencies on your credit report. Judgments You do not have any Judgments on your credit report. There are no Cifas markers registered against you. You do not have any Notices of Correction on your credit report. Does any of this make sense? I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things. The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner. 
    • have you got any more historic defaults or CCJs (Say, in the last 7 years) that you think would still be showing on your credit record? Something's not adding up here.
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Baliffs coming - for previous owners - help


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This is information for a friend of mine - honest

 

They have moved into a house and littlewoods have sent them a notice that they owe £2700. The letters are addressed to the previous owners

 

What is the best course of action? :confused:

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Thanks pam,

 

My friend has sent all the letters back but they have written to say that they are still sending someone round to talk to them. Guess we just wait and see what they say.

 

lee

 

Don't talk to them - the debtors have moved - guide them to the electoral roll or land registry.

 

Which bit of p***** off it is not me don't the idiots understand?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Thanks pam,

 

My friend has sent all the letters back but they have written to say that they are still sending someone round to talk to them. Guess we just wait and see what they say.

 

lee

 

No, you don't. YOu write back and you tell them that you have already advised them x times that they don't live here any more, this is now your property, and you want to enjoy it in peace. Tell them that if they send someone round, you will get the police involved for trespassing, and reserve the right to take further action agaisnt them for disobeying your express instructions. You do NOT give permission for one of their minions to visit, and futhermore, you want your address removed from their database, since it's now part of your data, and you do not have anything to do with them. Send them a copy of tenancy agrement/sale of the house with the date you took possession, ut no phone number!

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And just to be clear - if they do send someone round - they are more likely to be a debt collector than a bailiff - as a private bailiff cannot call for a credit debt like this one - unless there is a CCJ and if so itwould be a court bailiff - all you need to do is make it clear it has nothing to do with you.

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Tell em to watch out for physco pit bull terrier you have, if they do come around watch em looking very nervous waiting for physco to appear, before opening the do a bit of screeaming and shouting at the dog.

Seriously though, tell them for a final time they are looking in the wrong place and to stop harrassing you or else.

I love the smell of banks coughing up refunds early in the morning

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