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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Townsk

Capquest default on my Credit report

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ive just looked at my report and there is a default from Capquest for 598 - i have no idea who this is for and to be honest dont want to call them for fear of owing money however i am desperatly trying to sort out my credit rating

 

what gets me is that the start date is 2005 yet the default date is 2009 and only shows this -

 

JFMAMJJASOND2009 i_default.gif

 

If I took something out in 2005 where are the payments or non payments from 2005-2009 and when does this come off my account does it start from 2005 or 2009?

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the above should show the default is registered against nov 2009

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There should be some details of creditor somewhere on the report so you can contact them.

 

Which CRA did you use.?


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All defaults are removed on the 6th anniversary of the default.


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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its equifax i used

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Should be a list of contacts for the creditors on the report.


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Make an enquiry to EQUIFAX, asking for the identity of the unknown account>


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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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yeah i get the info to ring capquest i just dont know what its for etc - i dont kmnow what the original debt is or to whom

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Do not phone Crapquest send the following letter.

 

To the Data Controller

Capquest

 

Ref: Credit Reference Agency Entries## (quote the number shown).

 

Sir,

 

I have recently checked my credit files held by Equifax and have found an entry placed by Capquest with the reference xxxxxxxxxxxx with a default sum value of £xxx.xx (copy of entry attached for information), I have no knowledge of any debt to Capquest and do not accept an liability for any such alleged debt.

 

I have not received at any time any correspondence in regard to any such alleged debt, given this information I know require Capquest to remove this entry from Eqiufax files and from all other agencies you may have reported to.

 

For clarification and the avoidance of misunderstanding I DO NOT acknowledge any debt to Capquest or any company you may claim to represent, and I have no knowledge of any such debt.

 

Send by recorded delivery or confirmed receipt e-mail.


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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