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Hello and thanks in advance for taking the time to read this informations.
I wont bore you all with my tales of woe in terms of relationships, however I have been divorced a few years back and this resulted in a number of credit file problems in relation to accounts both in joint names and also personal one's where the divorce and costs incurred from the divorce meant I wasn't in a position to make some non essential payments.
I have almost finished paying off loans (from family) and also solicitor costs and have been actively looking at my credit file the last year or so and trying to get it improved. I own a house from our marriage (my name only and all sorted legally) which is up to date and I plan to move as soon as possible so need to get the credit sorted.
I have found a few entries on my file and am working to get them sorted and paid and/or planning to ignore them as I think they are due to fall off soon, below is some more information and also the copied information is from Noddle if this helps.
British Gas - this was erroneously assigned to me as my ex wife never changed the name to her for the gas account for 5 months when I left. I spoke to British Gas yesterday and they have agreed it should be removed from credit reference agencies and quashed as its not mine. On this I wonder how long this should take them and also if I should follow any formal process of writing to them ? Can anyone advise ?
Lowell Financial - this was a Vanquis credit card in my own name with the ex wife as a card holder. See below:
Name
Mr Leon *******
Address
*****************
Date of birth
**********
Account type
Credit Card
Account number
****2612 0
Account start date
11/12/2006
Opening balance
£ 625
Repayment frequency
Monthly
Date of default
29/10/2010
Default balance
£ 625
This one, my question is should I enter into a conversation with them on its legality on my file or bite the bullet and allow it to naturally fall off my file - am I right in assuming this will happen on or about 29th October 2016 naturally ?? It's obviously a sticky wicket as it was in my name but mostly used by her and we agreed in the divorce settlement that she paid it off and I added £312.25 to the settlement figure. I am not sure she has or if I can check - would it be possible to get this information from Vanquis ? Again, should I speak to them or let it ride until it falls off next October. Can I ask Vanquis what date they defaulted it and demand that Lowell change to this date as I am sure it would be around 2009 when we divorced that I stopped paying.
Next - Again a sticky wicket as it was in my name but she used it. I didn't do anything with it in the divorce as it slipped my mind as they had stopped chasing. I called Next as this only defaulted in 2013, I was paying DD for minimum payment in that time having checked but when I changed bank I missed this. My question on this is if I pay Next the balance do they have to remove the default ? I intend to pay it either way so wonder if a lump sum makes it happen sooner or I pay it over a couple of months. ITs balance is less than £400.
Lowell Financial - this was a catalogue/mail order account, Jacamo I think. Details below:
Name
Mr Leon ********
Address
*********************
Date of birth
********
Account type
Mail Order
Account number
*****2981 0
Account start date
12/04/2008
Opening balance
£ 1,436
Repayment frequency
Monthly
Date of default
13/07/2010
Default balance
£ 1,436
This one, my question is should I enter into a conversation with them on its legality on my file or bite the bullet and allow it to naturally fall off my file - am I right in assuming this will happen on or about 13th July 2016 naturally ?? I did stop paying this in around 2009 as well I think - should I just wait until July next year and it will disappear ?
Thanks in advance for your help advice and pointers - if there is an area of the forum I can read up on this kind of thing please point me in the right direction.
I wont bore you all with my tales of woe in terms of relationships, however I have been divorced a few years back and this resulted in a number of credit file problems in relation to accounts both in joint names and also personal one's where the divorce and costs incurred from the divorce meant I wasn't in a position to make some non essential payments.
I have almost finished paying off loans (from family) and also solicitor costs and have been actively looking at my credit file the last year or so and trying to get it improved. I own a house from our marriage (my name only and all sorted legally) which is up to date and I plan to move as soon as possible so need to get the credit sorted.
I have found a few entries on my file and am working to get them sorted and paid and/or planning to ignore them as I think they are due to fall off soon, below is some more information and also the copied information is from Noddle if this helps.
British Gas - this was erroneously assigned to me as my ex wife never changed the name to her for the gas account for 5 months when I left. I spoke to British Gas yesterday and they have agreed it should be removed from credit reference agencies and quashed as its not mine. On this I wonder how long this should take them and also if I should follow any formal process of writing to them ? Can anyone advise ?
Lowell Financial - this was a Vanquis credit card in my own name with the ex wife as a card holder. See below:
Name
Mr Leon *******
Address
*****************
Date of birth
**********
Account type
Credit Card
Account number
****2612 0
Account start date
11/12/2006
Opening balance
£ 625
Repayment frequency
Monthly
Date of default
29/10/2010
Default balance
£ 625
This one, my question is should I enter into a conversation with them on its legality on my file or bite the bullet and allow it to naturally fall off my file - am I right in assuming this will happen on or about 29th October 2016 naturally ?? It's obviously a sticky wicket as it was in my name but mostly used by her and we agreed in the divorce settlement that she paid it off and I added £312.25 to the settlement figure. I am not sure she has or if I can check - would it be possible to get this information from Vanquis ? Again, should I speak to them or let it ride until it falls off next October. Can I ask Vanquis what date they defaulted it and demand that Lowell change to this date as I am sure it would be around 2009 when we divorced that I stopped paying.
Next - Again a sticky wicket as it was in my name but she used it. I didn't do anything with it in the divorce as it slipped my mind as they had stopped chasing. I called Next as this only defaulted in 2013, I was paying DD for minimum payment in that time having checked but when I changed bank I missed this. My question on this is if I pay Next the balance do they have to remove the default ? I intend to pay it either way so wonder if a lump sum makes it happen sooner or I pay it over a couple of months. ITs balance is less than £400.
Lowell Financial - this was a catalogue/mail order account, Jacamo I think. Details below:
Name
Mr Leon ********
Address
*********************
Date of birth
********
Account type
Mail Order
Account number
*****2981 0
Account start date
12/04/2008
Opening balance
£ 1,436
Repayment frequency
Monthly
Date of default
13/07/2010
Default balance
£ 1,436
This one, my question is should I enter into a conversation with them on its legality on my file or bite the bullet and allow it to naturally fall off my file - am I right in assuming this will happen on or about 13th July 2016 naturally ?? I did stop paying this in around 2009 as well I think - should I just wait until July next year and it will disappear ?
Thanks in advance for your help advice and pointers - if there is an area of the forum I can read up on this kind of thing please point me in the right direction.
msl: 
:tinysmile_kiss_t4: Can't believe they'd issue a CCJ for £38!!! :rant: :rant:
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