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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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Should shop direct debt be marked as default?

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I'm new here so hoping I'm writing in the correct place.



I was hoping someone could help me with a query I have regarding a shopdirect/very account I have.



Back story - I fell into financial difficulty a couple of years ago and have 6 creditors and a large outstanding debt balance.



5 of the 6 creditors have defaulted my accounts and they show as such on my credit file

however shop direct haven't, it says 'up to date'

but when you go in to the details there's red marks with differing codes that cover the period since I stopped making the contractual payments.



Now although I'm the one that's not kept up their end of the deal and not in a position to moan as such I think it's unfair and going to be more detrimental to my credit file in years to come that I haven't been defaulted.



Am I able to make them back date a default date online with all my other creditors in the hope that in 6 years time I can leave this mess behind me or can they keep this going for as long as they wish,



the balance has spiralled out of control and I will be lucky to have paid it up in 6 years so feels like I'll have to wait double time to get this to disappear if that makes sense?


Thanks in advance for any help or advice.

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Hello and welcome to CAG.


WHEN did you last pay them? Last week, last month, last year??


It's true that default markers should be placed in a timely manner, but this isn't your biggest issue.


How are you financing these six debts?


Who are you paying?


Are they still with the original creditor (OC) or have they been farmed out to powerless debt collectors (DCA's)?


What exactly are these debts, and when where they first taken out?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Thank you for coming back to me so quickly.


I have been paying via stepchange - initially £5 per month, then went to token payments and have this month started paying £5 per month to each creditor again. I've never technically missed a payment in the sense of always given something even if only £1 but the monthly payments are supposed to be £200+ To very alone.


Very is with nco although when I called them to ask to speak to someone about this issue they said it was nothing to do with them so guessing it's a front and not actually been sold on yet.


The debts are credit cards and the shop direct account and were all taken out 2010 onwards I think. I've never heard a word from the other debts, never called or hassled me just accepted my situation, defaulted the debts and take what they're given without question.



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you should not be talking on the phone to powerless DCA's


and have not legal powers.



please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.



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