Where to start?

[ComingHome]

2008 I suppose.....

 

The finger in the dyke finally gave-way and everything hit the fan.

 

I have no idea what the state of play is at the moment, but there were some big loans which the DCAs are probably still chasing.

 

Iam only now looking at things as next month sees the first "6 year" anniversary with the first problem.

 

I had contact with lenders, DCAs, door-knockers, etc throughout that year before finally dropping off the

 

radar and disappearing to another part of the country.

 

I was fortunate that I had left an old bank account dormant for 20 years & I have been able to continue to use this.

 

Other than that I don't put my name on anything.

 

No idea which claims proceeded past demands or if any made it to CCJ's (which I believe scuppers the 6 year rule?).

 

I would like to move back to my own part of the country but don't know where to start to see if the all-clear will sound next year........

[Bazooka Boo]

You can check for CCJ's here http://www.trustonline.org.uk/ whilst a CCJ would stop the limitation period, they still only have a certain amount of time in which to enforce the CCJ before they have to go back to court to get permission to enforce it.

 

Have you managed to get any credit since? Mobile phone?

Checking your credit file is also a good start, but be aware when you up date your address then they will also be able to see this.

 

Are they all loans?

With which banks and circa amount?

When did you first take these agreement out?

[dx100uk]

credit file should be your 1st port of call

noddle is free

 

just make sure ALL your old addresses show as linked

 

dx

[ComingHome]

Thanks BB, dx.

 

 

Can't get on to Noddle - not sure if the site is down?

 

 

Not tried to get any credit - phone is PAYG.

 

 

Mostly credit cards & couple of bank loans. Really getting to the point where I can't remember exactly, but cards (3/4) were maxed out up to 10k.

 

 

Maybe 20K on one loan. Cards probably from 2000 & loans from 2002/3.

 

 

I use an address, but it's not "my" address.

[Bazooka Boo]

OK anything that old can be CCA'd,

is all the credit with the same bank?

[ComingHome]

OK anything that old can be CCA'd,

is all the credit with the same bank?

 

 

Yes, two bank loans with the same bank. The last one was early 2008. Oh, just remembered there was also £1k due after I returned a vehicle on HP and this was the shortfall which was immediately sold-on to a DCA again early 2008).

 

 

I've had a look at trustonline. Is it safe to give payment details on there?

 

 

(I'm still at the stage where I don't like cars parking outside the house lol).

[dx100uk]

TOL is quite safe

 

have you moved in recent years mind?

 

dx

[ComingHome]

Back again. Been very busy for the past few months. Just watching the clock ticking down now as things must be hitting the 6 year anniversary almost every week.

 

 

Had a look at the credit report sites but not sure what to put for my addresses for the last 6 years as I haven't had an official address.

It's been either with a mate or house sharing with nothing in my name.

 

 

Also don't want to put my current address down to have the report sent to me here.

 

 

Any way round it without causing other people problems by using their address?

[BRIGADIER2JCS]

Back again. Been very busy for the past few months. Just watching the clock ticking down now as things must be hitting the 6 year anniversary almost every week.

 

 

Had a look at the credit report sites but not sure what to put for my addresses for the last 6 years as I haven't had an official address.

It's been either with a mate or house sharing with nothing in my name.

 

 

Also don't want to put my current address down to have the report sent to me here.

 

 

Any way round it without causing other people problems by using their address?

 

 

 

If you can't provide verifiable identification data i.e. previous and current addresses, and

a current debit/credit card registered to your current address not even the free CRA Noddle will provide any service.

[ComingHome]

If you can't provide verifiable identification data i.e. previous and current addresses, and

a current debit/credit card registered to your current address not even the free CRA Noddle will provide any service.

 

 

Ok, tanks.

 

 

It's really just any CCJs I'm worried about. Is there a central register where I could check for these?

[dx100uk]

only trustonline as already suggested and done?

 

 

dx

[BRIGADIER2JCS]

Ok, tanks.

 

 

It's really just any CCJs I'm worried about. Is there a central register where I could check for these?

Trust online £4 per address checked.

[ComingHome]

 

 

anything on your credit file

like defaults or ccj's

vanishes after 6yrs never to return.

 

 

Hi dx,

 

 

Still trying to get a grip on my own "6 years" timeline.

 

 

How long after initial negotiations for the debt (ie default letter, demands, token payments, etc) have stopped can a creditor apply for a CCJ?

 

 

Then does the 6 years start from the date of the CCJ or the original default?

 

 

Cheers.

[dx100uk]

posts from someone elses thread moved here.

 

 

dx

[ComingHome]

Ah, ok thanks. Sorry to hijack the other thread, I just thought it followed on from the OP's experiences.

 

 

Can anyone help re: the time delay for taking out a CCJ?

[dx100uk]

SB runs from last payment or signed ack letter by you.

 

 

they have to start a court claim within that period

 

 

If they do the clock stop

 

 

if they get judgement then 6yrs from then or again your last payment if you pay toward a CCJ

 

 

dx

[ComingHome]

OK, thanks dx.