• Welcome to the LegalBeagles Consumer and Legal Forum.
    Please Register to get the most out of the forum. Registration is free and only needs a username and email address.
    REGISTER
    Please do not post your full name, reference numbers or any identifiable details on the forum.

Credit report help

Collapse
Loading...
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Credit report help

    Numpty trying to understand my credit report, so some years ago I had a massive credit limit with Barclaycard, seemed like they just upped it every few months, like an idiot kept using it. Eventually due to other issues, had mental health issues and eventually lost my then job, eventually defaulted to the point ended up in County Court and issued a CCJ in feb 2016
    Payment plan was set up of 150 / month from march 2016 and not missed a payment. My credit report when go into the account info tho shows my Barclaycard, still in default every month with same outstanding balance as they took me to court for.

    Am I missing something as balance shud at least be 3 and half years of 150 / month less?

    Sorry if sounds silly, thanks

    Tags: None

  • #2
    Was the CCJ from Barclaycard or a debt purchaser ?
    If you got a CCJ in March 2016 then presumedly defaulted in 2015 ? So the default will be due to fall off your credit file by 2021 with just the ccj remaining until Feb/March 2022.
    #staysafestayhome

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

    Received a Court Claim? Read >>>>> First Steps

    Comment


    • #3
      Debt purchaser which is what shows up on my report h2 hoist portfolio or similar. Monthly payments made to Robinson Way

      Comment


      • #4
        And still shows default every month so shows a default for aug 2019 still.

        Comment

        View our Terms and Conditions

        LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

        If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


        If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.
        Working...
        X