Amigo Loans.... CCJ and defaults

[Stuck84]

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.

[dx100uk]

The debt should be removed on or before the ccj completion date

As it will be satisfied

 

The fact that there's no default is not harming you

[fkofilee]

 

DX... She means that there should be a default. The account is still showing as open....

 

Did they issue a Default Notice to you?

[Stuck84]

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

[dx100uk]

I know what you mean

but if the debt is not defaulted

nor has any bad markers in the calendar

then its not harming you for now.

 

 

dx

[Stuck84]

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

[dx100uk]

but its not a debt is it?

 

 

get the important things dealt with first then return to this if its still an issue later.

 

 

or simply write to amigo and ask them what its all about.