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    • Hello, on 9th of July 2018 I was issued a CCJ for 326£ for a non payment into my Natwest account - 6 month earlier I moved abroad and despite my better knowledge my direct debit with the phone company wasn't properly closed and the Natwest account went into arrears for that amount. As soon as I found out of that matter on 20th October 2018 I settled the amount in full with Moorcroft (the debt recovery agency instructed by Natwest to recover the amount).   When I returned to the UK I was shocked that my credit score was completely depleted - despited an otherwise good record - and that for the following 5 years I won't pretty much be able to access credit and other common financial products regardless of the fact the debt has been paid in full (and despite a stable high salary etc.).   When I contacted Moorcroft in January this year they said they can't do anything about it and the record will stay as is. They said the best they could do was to send me a letter (attached) that I can use as a confirmation that the CCJ was now settled. I was pretty sad and frustrated and shocked that a 300£ debt could put me into such distress (I literally cannot even get a monthly mobile phone plan) and despite having settled it I would carry such consequences for the next 5 years... so I archived the letter and tried to forget about it.   I recently checked my credit report and it states that the CCJ status is still active.   I would like to ask:  - is it really not possible to adjust the CCJ status ?  - are there any actions I can take to mitigate my situation ? - shouldn't at least Moorcroft have sent a more comprehensive letter stating that the CCJ was settled (instead of a generic 'payment received' with no indication of what and why) ?     Note: when I tried to contact Natwest in October 2018 they bounced mee across several departments but ultimately no-one could/would want to help as the account was permanently closed and passed onto debt recovery and they couldn't find much information about my records (apart from saying it's closed and Im no longer a customer of the bank and won't ever be able to be one again).   Thanks, V
    • I hope we can keep this thread for a discussion of SDs. If it descends into a slanging match then there probably isn't much point in having it.   HB
    • phew, just got an email from scmreferrals@justice.gov.uk.    I was worried that because the N180 was 5 days late, they would reject it.    There is still an new default on my credit file for the original amount + court costs. Surely Lowell shouldn't have submitted this yet?  
    • The solicitors have acknowledged my CPR request but have yet to provide anything, no response to my CCA request yet.   I would like to get a defence in before the end of this week, can anyone help me put together a defence?   Thanks
    • There were express terms of repayment of the capital plus interest over 60 monthly instalments.  However, you are saying the Default has no effect, so that when charged-off the interest did not have to be rescheduled?   P.S. It may be irrelevant, I don't know, but I can’t see an acceleration clause in the CCA allowing them  to ‘call in’ the entire amount of interest on the 5 year loan?  Copy of the Ts & Cs from my original CCA attached. Clause 2 (c) refers to interest being charged until settlement, but I’m not sure that is an acceleration clause.   If you have any thoughts on the above they would be greatly appreciated. 20191120102845876.pdf
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Hi guys,

 

I'm currently self employed, and applied for a property form midland heart on the intermediate rent scheme as im trying to save for a mortgage.

 

I went through all the process, providing a guarantor etc and was meant to move saturday just gone, may 14th 2016.

 

Midland Heart came back to me and said, they cant do the move because they dont allow guarantor on this scheme yet, I was told I needed one and paid for the referencing via homelet. This is the day before I was due to move.

 

Homelet sent back my income as 0, as ive been unemployed for under 12months. Homelet say they only accepts tax returns as proof of income.

 

It just seems ive being penalised for being self employed.

 

 

Is there anything i can do because Im basically homeless right now. I have no where to go, midland heart just left me in the dark.

 

I was due to move, stuff packed, new furniture ordered to the new address even had a date for a sky installation.

 

 

Thanks

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Previous to that I was living with my grandparents, who I helped looked after. I cant even go back to them because they had been waiting on me to move and only did so when I told them everything was finalised. I was due to pick up the keys saturday morning at 9am.

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Hello there.

 

I'm sorry you haven't had any replies yet. I've flagged your thread for the site team.

 

HB


Illegitimi non carborundum

 

 

 

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Hi

 

Were you going through the shared Ownership route or renting normally (as I can't find anything on there website about intermediate rent scheme)

 

Do you have all this in writing and importantly a signed agreement?


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Hi

 

Were you going through the shared Ownership route or renting normally (as I can't find anything on there website about intermediate rent scheme)

 

Do you have all this in writing and importantly a signed agreement?

 

Hi, Please see this link: midlandheart.org.uk/find-a-home/homes-for-rent/rent-to-buy/

 

Its a scheme where you can rent the properties at 80% of the market value. Also Midland Heart dont advertise it on there website as such, they do run the scheme - They generally advertise them on rightmove.

 

I have everything one email. There wasnt any documents signed yet, as I was due to do that the day I paid the deposit and got the keys. I was even told about a new fridge freezer going in.

 

The only thing that was signed and sent back differently from the referencing forms is the deed of guarantor, by my guarantor and a witness.

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Hi

 

So you went through the Rent to HomeBuy.

 

Did you have to register through this link: http://www.helptobuymidlands.co.uk/apply-online

 

Were you given a Reference Number via either email or letter to say you were approved?

 

Did you have to pay a reservation fee (if so how much)?

 

I would also contact Shelter: http://www.shelter.org.uk/


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Hi stu007,

 

I went through all that process, was given a reference number after my eligibility confirmed. I paid a £75 referencing fee. Was told I needed a guarantor. My guarantor was not eligible so I had to pay another £75 for my second guarantor which was accepted.

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The is a reason I asked those question (as I keep thinking shared ownership).

 

Could you please got to this midland heart link: http://www.midlandheart.org.uk/search/?search=shared+ownership (Go down to where it states" Shared Ownership Booklet (2.7MB)" and download the booklet.

 

When you have done this open the booklet and go to page 4 of the PDF specifically "Reserving your new home" is that the process you followed or was it different?

 

 

What I advise next will not really help you in your present circumstances as it could take some time so please be aware of that

 

What you will need to do is follow there Complaint Procedure till its fully exhausted and if still unhappy you can then complain to the housing ombudsman: http://www.housing-ombudsman.org.uk/ but you need to exhaust midland hearts complaints procedure before approaching them (this doesn't help you in your present circumstances so please contact Shelter as well)

 

Also ask them to provide you with the following document:

 

1. Complaints Procedure.

2. Customer Care Standards.

3. Right to Home Buy Policy.


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Hi, thanks for all that. I really appreciate it.

 

The process i followed was a little bit different.

 

I found the property on right move and heres what I did after registering on the help to buy and getting my reference number.

 

1. arrange a viewing

2. Paid a £75 referencing/holding fee after I liked the property - at this point I was told i MIGHT need a guarantor

3. Referencing company (homelet) got in touch with me requested more details (not once asked for any proof of my incomes)

4. They reported back I needed a guarantor, 1st guarantor was ineligible, paid another £75 for a second guarantor which was fine.

5. Move date was agreed, even told about the new kitchen equipment and curtains that was going in.

6. After packing the whole week, signing up for sky, broadband, telephone etc... The day before move date I got a call that I would be moving.

 

 

 

Ive already complained to Midland Heart, they apparently will get back to me within 3 working days, it's been 4 and I've had no contact...No doubt probably swept under the carpet.

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I made a complain, still haven't had any acknowledgement that they've recieved it and it's being dealt with. What should I do? They claim In their complaints process that after 2 working days I'll get a confirmation and it's been nearly 5.

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Hi

 

I can fully understand you are anxious to get a response due to your circumstances (it doesn't stop you asking if they have received your complaint) you need to let the process follow its course sadly, which you are correct it does mention confirm within 2 working days.

 

The process also states a full response within 10 Working Days, If the investigation does take any longer, they will write to you to explain why.

 

I would give them the 10 days to see if they respond.


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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