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Credit Files A Mess From Being Young & Silly


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Hi All,

 

Im in need of serious help I think,

 

Where do I start to get this all cleaned up and hopefully one day get accepted for a sub-prime card to rebuild things.

 

I have not acknoledged a lot of them in the years they have been defaulted. The CCJ was issued to old address so was granted to them so I have completed the form to vary the order to £1 a month first payment on 4th april.

 

Im on Jobseekers Allowance so not much hope in paying them

 

Credit Expert

 

 

LLOYDS TSB BANK PLC

Entry Number: C1 | Account Updated to: 11/03/2012

Default Date: 20/05/2011

Default Balance: £271

Account Type: Current Account

Started: 21/11/2008

Current Balance: £272

 

LLOYDS TSB BANK PLC

Entry Number: C2 | Account Updated to: 11/03/2012

Default Date: 21/02/2012

Default Balance: £104

Account Type:

Current Account Started: 03/11/2010

Current Balance: £104

 

ARROW GLOBAL LIMITED (OLD ADDRESS ON FILE)

Entry Number: C7 | Account Updated to: 05/12/2010

Default Date: 01/08/2006

Default Balance: £371

Account Type:

Current Account Started: 30/08/2005

Current Balance: £371

 

LENDING STREAM LTD (OLD ADDRESS ON FILE)

Entry Number: C8 | Account Updated to: 27/03/2011

6 payments late

£742

29/01/2012

 

O2

Entry Number: C10 | Account Updated to: 17/09/2006

Default Date: 18/06/2006

Default Balance: £420

Account Type: Communications

Started: 05/09/2005

Current Balance: £420

 

O2

Entry Number: C11 | Account Updated to: 17/09/2006

Default Date: 19/06/2006

Default Balance: £435

Account Type: Communications

Started: 06/09/2005

Current Balance: £435

O2

Entry Number: C12 | Account Updated to: 17/09/2006

Default Date: 19/06/2006

Default Balance: £436

Account Type: Communications

Started: 06/09/2005

Current Balance: £436

 

FORTRESS GROUP (UK) PLC

Entry Number: C13 | Account Updated to: 06/11/2011

Default Date: 19/10/2011

Default Balance: £250

Account Type: Pay Day Loans

Started: 11/04/2011

Current Balance: £250

 

LOWELL PORTFOLIO I LTD

Entry Number: C14 | Account Updated to: 31/08/2008

Default Balance: £51

Default Date: 25/03/2006

Account Type: Communications

Started: 07/09/2005

Current Balance: £51

 

LINK FINANCIAL LTD

Entry Number: C16 | Account Updated to: 05/06/2011

Default Date: 26/06/2006

Default Balance: £8,136

Account Type: Loan

Date Started: 28/09/2005

Current Balance: £8,211

 

145 x Linked Addresses

 

57 x Search Records

 

1 x CCJ @ £247 (Accepted £1 a month) First payment on 4th April.

 

EQUIFAX

 

Current Account from Lloyds Tsb Current Accounts (I)

Current Balance £ 272

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 271

Start Date21/11/2008

Date Updated30/10/2011

Date Last Delinquent

Date Satisfied

Default Date20/05/2011

 

Current Account from Lloyds Tsb Current Accounts (I)

 

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance £ 105

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 104

Start Date03/11/2010

Date Updated21/03/2012

Date Last Delinquent

Date Satisfied

Default Date21/02/2012

 

Current Account from Arrow Global Ltd (I)

Terms0 @ £ 0 (Monthly)Status

Defaulted

Current Balance £ 371

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 371

Start Date30/08/2005

Date Updated05/12/2010

Date Last Delinquent

Date Satisfied

Default Date01/08/2006

 

Loan from Asset Link Capital

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance £ 8,211

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 8,136

Start Date28/09/2005

Date Updated19/12/2007

Date Last Delinquent

Date Satisfied

Default Date26/06/2006

 

Communications Supplier from O2

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance £ 420

Start Balance £ 0 Credit Limit £ 0

Default / Delinquent Balance £ 420

Start Date05/09/2005

Date Updated27/07/2006

Date Last Delinquent

Date Satisfied

Default Date18/06/2006

 

Communications Supplier from O2 (I)

 

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance £ 435

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 435

Start Date06/09/2005

Date Updated27/07/2006

Date Last Delinquent

Date Satisfied

Default Date19/06/2006

 

Communications Supplier from O2 (I)

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance £ 436

Start Balance £ 0

Credit Limit £ 0

Default / Delinquent Balance £ 436

Start Date06/09/2005

Date Updated27/07/2006

Date Last Delinquent

Date Satisfied

Default Date19/06/2006

 

CCJ LINKED ADDRESS

Court Details:NORTHAMPTON CCBC / 1Q^*£&$^

Type: County Court Judgment (England, Wales and Northern Ireland) Court Date:30/06/2011

Amount: £ 247

Date Satisfied:

 

NODDLE

 

Link Financial

Unsecured Loan

Account start date 28/09/2005

Opening balance £ 8,136

Repayment frequency Monthly

Date of default 26/06/2006

Default balance £ 8,136

 

Micro Credit

Account type Advance Against Income

Account start date 09/11/2010

Opening balance £100

Regular payment £436

Repayment frequency: Monthly

Date of default: 25/03/2011

Default balance £436

 

Lending Stream

£ 742

05/01/2012

Late payment

Account type

Advance Against Income

Account start date: 09/08/2010

Opening balance: £742

Payment start date: 09/08/2010

Repayment frequency: Monthly

 

Quickbridge

Account type

Advance Against Income

Account start date: 04/04/2011

Opening balance: £ 400

Regular payment £945

Repayment frequency: Monthly

Date of default: 04/11/2011

Default balance: £ 936

 

Quickbridge

Account type

Advance Against Income

Account start date: 28/09/2010

Opening balance: £460

Regular payment £1,042

Repayment frequency: Monthly

Date of default: 23/04/2011

Default balance: £ 1,042

 

Arrow Global Ltd

Account type Current Account

Account start date: 30/08/2005

Opening balance: £371

Repayment frequency: Monthly

Date of default: 01/08/2006

Default balance: £371

 

Barclays Bank Plc

Account type: Bank

Opening balance:£ 173

Repayment frequency: Monthly

Date of default: 03/06/2009

Default balance: £173

 

Lloyds TSB

Account type

Current Account

Account start date: 21/11/2008

Repayment frequency: Monthly

Date of default: 20/05/2011

Default balance: £271

 

Lloyds TSB

Account type: Current Account

Account start date: 03/11/2010

Repayment frequency: Monthly

Date of default: 21/02/2012

Default balance: £104

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Hi, Have you totalled the debts up?

There are so many ''recent'' debts here that

are going to be major problems I can see little

prospect of some not ending up with CCJs

I cannot see much propect in any of these

ever being paid even partially I'm pushed to

see further than a debt relief order, so I'm

going to alert my colleagues to see if anyone

has any suggestions.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It might be worth you contacting National Debtline - If you have less than £15,000 worth of debt and no assets you might want to consider a Debt Relief Order. I have popped some information below for you.

 

DRO information is the 5th section down.

http://www.nationaldebtline.co.uk/england_wales/page.php?page=35_options_for_dealing_with_your_debts

 

Telephone them tomorrow and have a word with one of their advisors :)

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It might be worth you contacting National Debtline - If you have less than £15,000 worth of debt and no assets you might want to consider a Debt Relief Order. I have popped some information below for you.

 

DRO information is the 5th section down.

http://www.nationaldebtline.co.uk/england_wales/page.php?page=35_options_for_dealing_with_your_debts

 

Telephone them tomorrow and have a word with one of their advisors :)

 

Thanks for that CB

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Good morning all.

 

We've a great fact sheet which expands further on Debt Relief Orders; you can find it here:

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=37_debt_relief_orders

 

iregretitall: if you fancy calling us for a chat we're avilable on 0808 808 4000. Calls are free from landlines and mobiles. You can also receive tailored assistance via our online advice system, My Money Steps:

 

https://www.mymoneysteps.org/

 

Best wishes,

 

National Debtline

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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  • 5 months later...

Regardless of using this service an individual will be easily traced to a new address.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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