Ok thank you for your reply Dx, my only worry is that this debt will remain on my credit file for indefinite period of time

Thank you for the replies, I honestly cannot remember? When I received the CCJ I was going through a few personal problems. To me, the account looks as though it is open and active? That's what concerns me as the CCJ is for a different amount but the balance stated on Amigo Loans is different Hope the above helps

Hi, thank you for looking at my thread... I will try and explain what has happened to me, hopefully I don't confuse anyone In the beginning of 2009 I took a loan out with Amigo Loans, at the time I was working full time and was paying my loan of fine... However, near the end of 2009 I lost my job (the famous recession) and I fell pregnant (not perfectly timed) my pregnancy was awful, I was suffering from horrendous morning sickness and the G.P had signed me off sick, up until Nov 2010 I continued to make payments from my savings... Till it ran out, amigos didn't really send myself or my guarantor any letters chasing the debt - and I just got busy with my daughter... In sept 2013 I received documents from Amigos to take court action (it was expected) and I did everything, fill in the income/expenditure form - I can't remember if I did a defence (I have never got into debt before so this is all new to me) In Nov 2013 I was handed a CCJ in regards to this debt. Now I was making payments which the courts had stated, I made them every month without fail - with an extra £20 on top to just cover me incase I fell behind. The payments were taken via direct debit without a problem, till March 2015 - Amigos didn't take a payment in a payment, I don't know why - the direct debit is still active. I then even sent a direct payment of £10 to see if it will start the direct debits off, but it didn't - at the time I was going through depression and counselling so I had other problems. Anyways in June 2015 I requested a copy of my credit report - now on there is the CCJ which is fine, but there is also an account with Amigos on my credit report which shows as though it is in arrears - the account does not have a default on it. Now I sent an email to Amigo on 11th August 2015 requesting that they put a default on my credit file therefore allowing lenders to see the account is defaulted and not in arrears - however they refused this?! The issue I got is, I feel like I am being punished severely as this arrear will never leave my credit file - my understanding is that CCJ's are removed after 6 years but a loan which is in arrears will remain on my credit file? Is there any kind of grounds I can use for them to put a default on the account 3-6 months after it went into arrears in Nov 2010? I will try and attach a copy of my credit file showing these... Sorry my thread is so long, I thought I'd give as much info as possible.

Hello, I am new to this forum - in fact I've never joined a forum before so it's a first for me I've seen a few of the posts which are on here and the help/advice offered is amazing, after all a problem shared is a problem halved... Take care all