Hi I will try and give as much info here as possible but if anything else should be required ask and I'll try to provide it. I have 3 defaults on my credit file that I am waiting to become statute barred. First one is Lowell for £130 this defaulted in 02/12/07 Second is Barclaycard £2,219 this defaulted in 22/08/08 Third is Santander, previously A&L £1,132 This defaulted on 09/06/2008 The Santander one shows on Equifax and Call Credit. On Experian this one is shown as settled. Strangely my credit rating on Experian is 970 out of a possible 1000. Yet I can't even pay my car insurance off monthly with some companies. Can anyone shed light as to why my credit score would be so high. I was under the impression from reading the report that Higher was better!! I have seen an ideal property for £65k I have a 10% deposit but would love to go with the government backed first time buyer 5% deal offered by some banks, as it would give me more cash flow to buy furnishings etc. I am wondering is there anyone in Northern Ireland prepared to lend to people in my position? I am 30, single and earn £20k per year and can afford the Mortgage. I have no other ongoing debts and only other financial commitments I have are Credit card with £250 limit which is paid monthly in full and a O2 contract phone, again paid every month for last 5 years. Is there a company or Mortgage advisor in the Belfast/Co. Antrim area anyone could recommend that can help people with a bad credit history? Any help would be much appreciated.

I reside in Northern Ireland and am looking for some insights on the following. In November 2007, we took out a £65,000 secured overdraft, agreement signed in February 2008. This was a one year Agreement. We requested a further increase on this in June 2008 but were declined until we repaid the above when they would review our account. We repaid in July 2008 (in full, as per our Agreement) and sometime in October 2008 my husband remarked that they had obviously extended our overdraft. In June 2009 we met with our bank manager to discuss repayment. We explained our difficulties and it as left at that. We kept in touch via email updating her. In January 2010 our overdraft was abruptly stopped and we were hit with major bank charges which actually caused the overdraft exceeding its limit. We received a letter that they needed us to repay immediately. We called our branch manager re bank charges etc and she informed us that they had just become aware that they had extended an unauthorised unsecured overdraft. For a period our account was frozen and my own account was then subject to penalties previously never applied, a cheque for £64.00 was returned despite being covered by a cheque guarantee card and funds being in the account. We offered a repayment schedule (unacceptable) and a promisory of paying balance when property was sold (unacceptable). June 2010 Letter from solicitors - we reply reiterating our proposals July, August, - nothing (we were told by CCCS a court date could take 3/4 months) In July I lodged a complaint with Financial Ombudsman citing undue care and diligence by Bank and whilst we do not dispute liabilities they should bear some responsibility for their error. Letter from their Customer Care in September stated whilst they admitted their error the responsiibility was with us and state that the account was been managed by Asset Recovery Unit. Sept 17th (day after letter) a Custody Warrant stated that Court had been held on 9th August and a CCJ recorded. October 7th OCL issued and registered. We have of course put a stay on proceedings, informed F.O. and are now trying to hire solicitors via Legal Aid (so as to not to incur further debt) Creditors Solicitors state that a letter and Special Writ of Summons was sent to us at the correct address on 2nd July. We did not receive it as we would have most definitely lodged a defence but apparently this is not reason to overturn as summons is taken as served once put in a envelope and posted? Again, they said that they sent a letter on 11th August informing us of judgement. 100% not received either. It is indeed strange that two separate pieces of pertinent mail have gone missing but I am prepared to go on Oath to swear that they never arrived with me however Oath taking absolutely pointless, I believe I n the past we responded (at length) to any correspondence re this debt. Have I got a case. I do know that High Court Debt Proceedings are merely paper signing and the majority of cases go undefended but surely the 1% of us must have the right to do so? I really need some help on this beginning to despair as many views but no replies. The tiniest bit of direction would be appreciated.