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so i discovered a website called equifax pay "3 get ur credit thingy straight away and I HAVENT got any CCJ's that i don't know about 
BONUS.
So can anybody tell me, does the court legally have to serve me any papers or something of the sort to say im going to be getting a CCJ before i get one?
basically i owe money to halifax and i havent paid it for.....well it defaulted in february 2010, so that long! i tried to claim on the PPI thingy but id been missold it and none of it stood. since then charges upon charges and the amount has spiralled.
i have moved house, but i havnt told them that.
i had a baby, got made redundant TWICE in a year, and i am only just starting to get my family back on its feet to a situation to where we can afford things again (by things i mean a day out for all of us once a month, or a new big toy for my daughter, nothing else realy haha).
i now work for a debt management company who are confusing me a little bit with what they are teachin me.
we are looking to be trying for a mortgage in about 4-5 years time, so i need to get my credit rating up to scratch. i know all about DMP's, IVA'S bla bla bla and i am just wondering what everybody thinks my best option would be to do? either SAVE UP, wait for a CCJ or until i have full funds and get a settlement figure paid off, or get on a debt management plan now.
however i know dmp's stay on credit file for 6 years after completion. so im abit now like, what to do????? which way do i turn, that will benefit us best in the long run to be able to apply for a mortgage in the shortest time??
or are people able to apply for a mortgage when all debts are paid off??
i understand ill have to rebuild my credit rating again, im just a little baffled as to which way to go koz everybody at work just keeps saying that basically iv your in debt, ur screwed no matter which way you go........
ANY ADVICE WILL HELP ME AND MY FAMILY INCREDABLY.
BONUS.So can anybody tell me, does the court legally have to serve me any papers or something of the sort to say im going to be getting a CCJ before i get one?
basically i owe money to halifax and i havent paid it for.....well it defaulted in february 2010, so that long! i tried to claim on the PPI thingy but id been missold it and none of it stood. since then charges upon charges and the amount has spiralled.
i have moved house, but i havnt told them that.
i had a baby, got made redundant TWICE in a year, and i am only just starting to get my family back on its feet to a situation to where we can afford things again (by things i mean a day out for all of us once a month, or a new big toy for my daughter, nothing else realy haha).
i now work for a debt management company who are confusing me a little bit with what they are teachin me.
we are looking to be trying for a mortgage in about 4-5 years time, so i need to get my credit rating up to scratch. i know all about DMP's, IVA'S bla bla bla and i am just wondering what everybody thinks my best option would be to do? either SAVE UP, wait for a CCJ or until i have full funds and get a settlement figure paid off, or get on a debt management plan now.
however i know dmp's stay on credit file for 6 years after completion. so im abit now like, what to do????? which way do i turn, that will benefit us best in the long run to be able to apply for a mortgage in the shortest time??
or are people able to apply for a mortgage when all debts are paid off??
i understand ill have to rebuild my credit rating again, im just a little baffled as to which way to go koz everybody at work just keeps saying that basically iv your in debt, ur screwed no matter which way you go........
ANY ADVICE WILL HELP ME AND MY FAMILY INCREDABLY.
