So am I best to SAR them for now and see what happens? If i get the balance either wiped or reduced and paid what should I do about the late payment markers?

not that i can recall but as i said earlier it was for an ex and when we split and im oved out moved i just simply forgot about it. funnily enough i was on electroal roll at all my addresses so actually find it odd I havent heard from them.

strike that! It shows on Experian and equifax, it seems i entered a previous address wrong on experian and there it is, popped up. Not defaulted on either, just marked as 6 payments late for every month since dec 2008. its the only crap thing on my file altho didnt stop me from getting credit in the last 4 years apparently!

Its not defaulted, there is no default date or default balance. it shows on equifax but not on experian. it goes like this 25 - 36 months: 666 666 666 666 37 - 48 months: 666 666 666 654 49 - 60 months: 321 111 11

Yep! never marked it as default just constantly showing a 6!

6 payments late marked for every month since 2008 (december)

Ok great. will get that off today...I recall i have to wait 40 days for this info dont I?

Ok so am I better to send a SAR request to them rather than a CCA request?

it was a beneficial finance loan

so if he stopped paying in june 2008, and the 240 additional monies are made up of charges then i can get all the late markers removed and settle the account with no defualt action?

WOOOOTTT! managed to get this CCJ marked as settled and their will be no contesting from the creditor if he completes the form to have it struck off his credit report (turned out it was for southern water at his marital address and have letter acknowledging, cancelleing all debts in his name etc)

i checked my experian about a year ago and it was fine, fine again today. I have only about £3.5k of unsecured debt and can manage this quite easily but I was surprised to see an account in arrears on my equifax report.. .an old loan i was a guranteeror on in 2008 (stupid and young, for an ex bf) the last payment was made in 2008 june and since then its showing as this.. 6 payments late since december 2008. now the current balance is showing as £450 for an outstanding amount of £270 and I can easily clear this in two payments (1 if the car wasnt getting mot'd next month!) and understand that i will have to live with this adversity however if its not been paid shouldnt it have hit default by now? I have written to HFC twice an they have come back asking for signature to look into the matter so today I have sent official CCA request highlighting they do not require my signature to send me this information. any tips on how to deal with this?

Most likely, as it was probably taken out in his name but she was the cardholder, unfortunately their finances are still very joint and just beginning now a long process of untangling it. I have heard that you can put NOC on credit files concerning joint debts run up whilst only one party had access to accounts?

Brilliant, Northampton cant tell me anything over the phone however will send a copy of the judgement to our address (which we are both on the electoral role for and have been for over a year!)if it turns out its for his ex wifes card obviously he is going to be liable for it, and will pay but how can we sort it so the account is setttled, ccj removed and if there is a default getting that sorted?Thanks re AQUA will send SAR today.

Hi all! I was a long time poster back in about 2004/05 and have since dropped off but needing your help once again! Having started to get on top of debt I have recenty obtained copies of both mine and my partners credit files..mines a bit of a mess as I left to go take care of my sick mum in Canada in 2008 and left everything including credit cards/overdrafts behind..partner is coming out the other side of a messy divorce with lots of debts so need to get us back on track in an attempt to get a remortgage in a few years time. I found a ccj JUST entered in June for my partner, at old address for 534, in northampton county court...he suspects its his exwifes monsoon card..default entered at his fmh address. how can i go about finding out more info and having this removed/settled/whathaveyou? I have old debt with Aqua thats been sold on to capquest..i want to settle this but DONT want to pay the charges associated with this account, just the balance and interest..do I SAR capquest or AQUA? I recived a SD from CQ but wrote back not acknowledging debt and askign for CCA/proof of debt purchase...whats my best plan for this one? all others are easy as..standard PPI/credit card charges reclaims. Thanks peeps!