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Posted (edited)

Hello all,

 

I am currently in the process of servicing/settling all of my debts and over the last 3 months have paid off 5 of my 7 debts (£4800).

 

I have one large-ish debt of £5300 and a small debts of £700.

I will be looking to get a mortgage early 2020 so checked out my credit report to see if there’s any other debts/defaults I’m unaware of.

However, when I access my report it states I have no negative factors and no defaults.

I can’t understand why it wouldn’t show my defaults,

 

can anyone help please?

 

I just want an organisation to be able to tell me all of my debts so that there ends up being no hidden surprises further down the line.

 

help is greatly appreciated

Edited by dx100uk
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probably because the defaults are older than 6yrs?

 

why are you blindly settling debts?

and I hope not to DCA's that now oen the Debt?

 

have you ever sent the owners now a CCa request to check they hold all the legally enforceable paperwork to even demand money from you?

 

please list your debt.

 

moved to the debt self help forum.

 

there are are also 3 main CRA providers

not all debts show on every providers credit file.

 

dx


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Hi all,

 

i have a debt that will become statute barred in March. I have read posts and people have said that after 6 years it completely drops off your credit report. Is this the case? Can mortgage providers see a debt on Experian that has been made statute barred

 

regards

Veteran6225

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Thanks for the reply, I am trying to get all debts cleared to have the best chance of improving my credit score in order to get a mortgage next year.

 

The main debt is now with Intrium (formerly 1st credit) that’s for £5330

 

The smaller debt of £700 is with a legal company but the debt was originally with Money Shop.

 

I haven’t requested any evidence from them relating to the debts. The £700 debt is due to be statute barred in March so I have not responded to their letter.

 

Regards

Veteran6224

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you don't need to clear your debts if they don't show as defaulted or not at all on your credit file.

 

as for intrum

they like any other DCA are fleecing debt buyers that get your debt for less than 10p=£1 then fleece you for the whole lot

 

so , tell me why the original creditor didn't take you to court and crush you...?

why sell your debt on ..on the cheap...makes you think a bit.

 

 

as for the muppets that now have that PDL debt...

ever thought about raising an irresponsible lending claim against the original creditor

because as with many PDL , now paid off or not

they probably shouldn't have lent you the money in the first place as you couldn't afford it and your credit file was a poor score.

 

click here and read a few threads

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?173-Debt-management-and-Debt-self-help

you'll soon get the idea that these DCA's you've already paid off have had a lovely xmas from your free money.


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statute barring and debts showing or not on your credit file are not linked.


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Thanks again, I will check all 3 credit reference agencies and see if the Intrum debt is on there (It was formerly Amigo Loans). If it isn’t on there what would be the best thing to do? Stop paying the debt? I will read the threads in the link you have sent, thanks for the support

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As DX says your credit file and SB aren't linked, credit file entries last for six years from the date they are added.

 

SB is either 6 or 12 years dependent on what type of debt it is.


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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Defaulted date


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Great I will hold out then, I registered with Equifax last night and the Intrum debt is on there as a CCJ and has 2/3 years before it become statute barred but the £700 one becomes SB after June this year. I have mentioned previously that my partner and I (she has a great credit rating) are looking to apply for a mortgage in early 2020.

 

Can anyone tell me the best route to be accepted for a mortgage in regards to debts and defaults etc?

 

Do we satisfy them to show the mortgage company we’re addressing the debt? I could clear all my debts by May this year. I have a £2500 credit card with a full limit (Aqua) so was going to spend a small amount each month and pay the balance in full to boost my credit score.

 

We have a substantial deposit and affordability is there it’s just the defaults/CVJ etc I am concerned will be an issue. Anyone with mortgage experience that can help would be greatly appreciated

 

Thanks in advance

Veteran6224

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I am also sending a CCA to Intrum and the other debt next week

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Ive merged your 2 threads


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The ccj never becomes sb'd

Why didnt you state the ccj in the first place!!

 

Dont send intrum anything!! they are not chasing you??

 

A defaulted date in a debts summary or a ccj are there for 6yrs regardless to if you are paging or not ..paid it or not.

 

So are you paying intrum?


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I only realised it was a CCJ when I registered with Equifax last night. I have been paying Intrum £50 a month for the last 12 months but have the money to clear it if I needed to. So it’s best that any debt showing as a default or CCJ on my file should be paid/satisfied prior to applying for a mortgage?

 

I had another debt for £2500 that was with High Court Enforcement Group that I paid off last month and have been told I need to apply for a letter of satisfaction from the county court it was registered with.

 

Thanks for merging the posts

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Ok can we start again please..

No good you telling half the story...

 

List everything you owe or owed and to whom you paid..

What was the org debt

With whom now

Any CCJ with it

 

Paying a CCJ doesn't make you more acceptable to a mortgage

Full story please


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Ok, I owe:

 

- Intrum £5300 CCJ (original company Amigo Loans) paying £50 a month at present

- Prac Financials limited £708 Default (original company Money Shop) not communicated at any point and debt is SB soon. Default date was 27/06/2013

 

Settled/satisfied debts are:

 

High Court Enforcement Group £2758 CCJ (original company was England and Company) paid in full and settled

 

My credit report via Experian shows no defaults or CCJ’s, my credit report on Equifax shows defaults for the above mentioned unpaid debts (Intrum & Prac Financial)

 

To my knowledge I have no other debts, I have not had any letters from any other companies chasing me.

 

Regards

Veteran6224

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One multipage pdf please

Read upload

So we can zoom please


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the amigo loans CCJ..

was this a tomlin order?

how did you arrange the £50PCM..told by the judge?

 

England and Company>??? who are they? a business debt?


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Sorry I am not sure what a tomlin order is? The £50pcm was set up by me Making them an offer as they were chasing my guarantor.

 

England and company are an offshore accountancy firm in Jersey, I worked offshore and they were the accountants we used and I left the job but the accountancy fees were still owed and I didn’t realise. So they placed the high court writ with HCE Group

 

Hope that helps

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were you aware that amigo got the CCJ?

or heard or knew nothing about it till your guarantor spoke to you and you found it out?

 

as for the accountancy stuff, HCE group could never have been involved unless a CCJ was awarded...and again you knew nothing about one being awarded??


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Just to add to all of this,

 

Any CCJ / Default that has dropped off your Credit report will be invisible to mortgage lenders, however you will need to disclose what you are paying them per month in your application.

 

In general the older a CCJ / default, the more choice of better (cheaper) mortgage products you will have. Normally a 25% deposit can get around even a 6 month old, unsatisfied CCJ, In my case I needed to wait until my newest CCJ was 2 years old because I could only afford a 15% deposit, my monthly mortgage payments are also a couple of hundred p/m more because I am on a higher interest rate.

 

In order to walk into a high street bank, low interest mortgage and put down a 5% deposit your newest CCJ would need to be 3 yrs old and satisfied. For some reason shared ownership properties are the same. Although 'Help to buy' is an excellent option if you can't afford a 25% deposit.

 

It's also worth mentioning that in my situation with a 15% deposit, the fact that my Defaults and CCJ's were unsatisfied made no difference. They only insisted that I pay off an old pay day loan (250 pounds).

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