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    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? There was no inventory when I moved in, I also didn't have to pay a deposit. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
    • whats the court claimform for? return of goods order? please complete this:  
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Payday Loan Credit Agency Shock


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Hi

 

I was stupid enough to take out several payday loans with the same company. All but one have been cleared.

I very recently noticed that the company in question has recorded them against my Credit File within the last week.

The problem is that they are all recorded with outstanding balances even though they are months old. These loans have been paid back. It is even displayed as satisfactory on the status. Each one is recorded as a new account, affecting the credit score that I had displayed. Entries have been recorded for 2012 even though they have never shown up before on my report.

I had checked my credit file in the last month and these entries were not recorded so these are new entries during that check.

What should I do? This has been a total shock from the massive negative impact on my credit score from the concerned credit agency.

The company in question has recorded information from 6 months back and given a last status of this year. My understanding of a Credit File was that they could only record forward, not entries six months back.

Any advice would be appreciated.

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Which pdl

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Any thoughts?

 

tom

 

you only posted at 11:35. It is Friday night and a weekend. Things can be a bit quiet around here at certain times so please be patient.

 

Thanks

 

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Sometimes it can take up tp 2 months for the correct date to show.

 

Where the loans that were cleared paid over 2 months ago?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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every time you take out a loan and pay it back they will register a entry.

 

4 different payday loans equals 4 entries on your file, I imagine if you rolled the loan over and paid every month it would only show as 1 entry and being paid on time every month like a normal loan.

 

This is why the PDL companies claim to help your credit file is a load of bull

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Whether or not you use a PDL correctly and pay it back within the given time, the very fact that you did have a PDL will affect your credit rating for a good period of time.

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