Showing results for tags 'ist credit cra'.
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Good evening, I'm hoping someone here might be able to offer some advice to my situation. My partner and I recently had a mortgage meeting and while talking to the advisor I told her of a CCJ I have. it started in April 2006 for a RBS debt which I was struggling with and I still pay £75 pcm and currently have around £5200 left. The mortgage advisor suggested that we use some of our deposit money to clear the CCJ as it would put me in a better position which I said I'd think about. I've signed up to Check My File and nowhere is there mention of a CCJ on any CRA report, however, there are 2 default notices. one from an old Barclaycard which I had been unable to pay at the time and one default from 1st credit, who have since bought the debt. 1st credits details were listed on the report so I phoned them at 9 the next morning and rather stupidly paid £350 of a £425 debt with a debit card! I was told on the phone that this would show on my credit report as satisfied but after reading various articles online I think I should have paid a lot less ( 20 - 30%) ? or bargained for the defaults to be removed on payment? and that 2 defaults wont help the mortgage situation - showing satisfied or not? What should be my next step with these defaults and where has that CCJ gone?? Sorry to ramble a little but I could do with a little advice or input. Thanks all in advance
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