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    • OP stated they had been arrested, but not charged (let alone convicted). They DON'T have a criminal record, but do have an entry on the PNC. That information stays on the PNC (Police National Computer) for life, but doesn't get released in a standard DBS. It only MIGHT get released for an Enhanced DBS (eDBS) check  ... but it would be incredibly unlikely. (The rational behind this is that eDBS's allow for 'information at Chief Officer of Police's discretion' ..... this covers the 2 'barring lists' and is also intended for the scenario where someone has multiple arrests or investigations, where safeguarding is a concern .... it was brought in after the Soham murders / Ian Huntley case, where the information known about the now-convicted child murderer may have prevented his employment in a school, had it been made available). So, for the sake of accuracy and completeness, arrests stay on the PNC for life, wont appear in a standard DBS, MIGHT appear in an eDBS, but in reality, would be the exception rather than the norm, and I can't see them being released  to a defense barrister. What then if the defence found out a different way, and brought it up in court?. Again, unlikely, but the important feature is that the judge would make sure they trod very carefully!. They MIGHT consider using it if there were other factors that allowed them to try to cast doubts as to the truthfulness of your evidence, but on its own : No way. Anyone MIGHT be arrested (if a seemingly plausible complaint been made against them)! The approach to take if it did come up is to be truthful. "Yes, I was arrested. It arose from a vexatious complaint. I wasn't charged, let alone convicted. That could happen to any one of us, if a vexatious complaint gets made" Far better that than lying, saying you'd never been arrested, and getting caught in a lie : that would ruin your credibility. I'm incredibly doubtful it will even come up, though.
    • we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
    • Post #9 suggested some options to avoid or put off having a smart meter. Post #12 a simple solution to your complaint about the ay they handle fixed monthly DD. It's not really clear why you posted if you're going get irate when members "jump in" with suggestions. You can see what I'm referring to on "gasracker.uk" to allay your suspicion that I was lying in Post #16 which was made to correct ther misinformation shown in your Post #15
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Unknown Intrum CCJ for Amigo Loan


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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

 

 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.

 

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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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/CCJ etc I am concerned will be an issue.

Anyone with mortgage experience that can help would be greatly appreciated

 

Thanks in advance

Veteran6224

 

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

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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 paying or not ..paid it or not.

 

So are you paying intrum?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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, 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

3AE3B54B-D068-4BEF-BF88-42C820BC9A5B.jpeg

7DCB794D-F3E0-4D37-A508-4E2947453087.jpeg

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One multipage pdf please

Read upload

So we can zoom please

 

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?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 9 months later...

Hi everyone, I am with a mortgage consultant tomorrow.

They have recommended that I pay off my final debt (First Credit) in full.

 

I have been paying off monthly and there is £3400 left.

I have heard that if you pay in full you can request that they remove the default from your file.

Is this true?

If so is there a letter template that I can use?

Thanks in advance 

 

regards

j

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total rubbish paying a debt off means you can get the default removed.

 

you could make it a condition of the F&F that the account is totally removed

but I very much doubt they will agree to that.

even though 1st credit [intrum] are a dca.

 

the default vanishes after 6yrs anyway regardless.

 

have you sent intrum a CCA request?

very rare for Amigo to sell their defaulted loans on 

they usually litigate.

there must be some really good reason why they did this 

find it!

 

dx

 

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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urm..

not a good idea yet IMHO.

 

them not having an enforceable CCA

[quite probable ]

 

will put you in a far a stronger position

 

is this a mainstream mortgage advisor and a mainstream mortgage ?

or some tinpot backstreet private broker?

ONE default should not harm any success with mainstream lenders if you approach them yourself directly.

 

not saying yours is but MANY brokers/advisors/IFA's actually have links into many DCA and get back handers for settling debts that don't legally need to be settled.

 

dx

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

don't know of any mainstream lenders that refuse a good rate mortgage for one default.

 

IMHO something smells.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thanks guys, it seems we have some options so fingers crossed. The larger of the 2 debts is set to be SB on the 11th next month. Once this date arrives should I send a letter to Moneybarn to request it be removed? I have sent Moneybarn and 1st Credit/Intrum a CCA request today. 
 

thanks 

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how are you deeming SB date?

accounts are removed on the defaults 6th birthday

those 2  dates rarely meet 

the latter being the important one

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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