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After posting on Reddit and receiving quite a lot of abuse, I won't go into full details here.
However, I have recently discovered a fair bit of debt CCJs and Defaults under my name when looking on ClearScore, Credit Karma and Experian Check.
In total, I have 3 CCJs, (2 for around 1000GBP and 1 is around 500GBP), which were issued in 2018 and 2019.
I also have 3 Credit Cards in default, (balance around 500GBP each), a current account in default (balance 2000GBP) and 2 telecoms accounts (Balance of one is 1400GB and one is 300GBP).
I wasn't aware of these debts, but for the sake of this post, I assume full responsibility for them.
I have been living abroad since 2017 and work as a teacher. I only have discovered this recently as I have been looking at starting to save over the next few years for a mortgage to buy a property when I return to the UK.
However, I know that this is going to significantly impact my future plans.
I never received the CCJ summons but have read that as I didn't inform them of a change in my address and the time, it will be hard/impossible to get these set aside.
From what I can see on ClearScore, the accounts were opened in 2014-2018, and a majority of them are now with Lowell.
What are my options for dealing with these issues? I want to do the best thing to clear my credit score and be able to get a mortgage in the future. I am not looking to move back to the UK for at least another 3 years.
I've done so much Googling but can't find any concrete answers. I'm wary of 'resetting the clock' on some of this debt by addressing it and feel a bit stuck.
Thank you in advance for your help!
However, I have recently discovered a fair bit of debt CCJs and Defaults under my name when looking on ClearScore, Credit Karma and Experian Check.
In total, I have 3 CCJs, (2 for around 1000GBP and 1 is around 500GBP), which were issued in 2018 and 2019.
I also have 3 Credit Cards in default, (balance around 500GBP each), a current account in default (balance 2000GBP) and 2 telecoms accounts (Balance of one is 1400GB and one is 300GBP).
I wasn't aware of these debts, but for the sake of this post, I assume full responsibility for them.
I have been living abroad since 2017 and work as a teacher. I only have discovered this recently as I have been looking at starting to save over the next few years for a mortgage to buy a property when I return to the UK.
However, I know that this is going to significantly impact my future plans.
I never received the CCJ summons but have read that as I didn't inform them of a change in my address and the time, it will be hard/impossible to get these set aside.
From what I can see on ClearScore, the accounts were opened in 2014-2018, and a majority of them are now with Lowell.
What are my options for dealing with these issues? I want to do the best thing to clear my credit score and be able to get a mortgage in the future. I am not looking to move back to the UK for at least another 3 years.
I've done so much Googling but can't find any concrete answers. I'm wary of 'resetting the clock' on some of this debt by addressing it and feel a bit stuck.
Thank you in advance for your help!
