 Overdraft Bank Charges and failed Direct Debts? |
| Recently my bank account has been in a bad state because I brought a new car. In this time I have been charged overdraw charges and some direct debits have failed so I have been charged direct debit ... |
|
 A bank has sent me 2 credit cards when I do not need any. How do I get rid of these ? |
A bank has sent me 2 credit cards when I do not need any. I have heard that the credit cards are ‘not activated’ when they arrive through mail.
They get activated only upon usage. Is it true ... |
|
 Whats the best way to get rid of credit card debts?? |
| what are the differences between credit counseling, debt consolidation and does it affect your credit rating??... |
|
 How do i improve my credit? |
| i have a very low credit score of 525. but i have payed all of my debts a year and a half ago. i recently spoke with a financial advisor for the credit union that i bank at, and she told me that i ... |
|
| Has anyone one heard of Foresthill lending services? |
| I have been offered a loan from them and want to know if they are a scam. www.foresthilllending.com. I was contacted from them and say they work with many lenders to find you a loan to meet yours ... |
|
 How do i get a $200,000. loan with good credit ?!? |
| i have 2 jobs i will make about $40,000. a year at one. and about another $40,000. at the other that i started 6 month ago.... |
|
 How can I straighten out my credit? |
| I'm 22 and I recently completed a rental application for an apartment, but was turned down due to my credit. The only things on my credit are my student loan from college and a hopital bill. I ... |
|
 Paypal sent me an email "ABOUT SOMEBODY'S ACCOUNT"? |
Dear PayPal Member,
Your account has been suspended in our system as a part of our routine security measures.
This is a must to ensure that only you have access and use of your Paypal ... |
|
 I have no credit, not bad credit, just no credit. How can i begin to establish credit? |
| I'm just starting out with establishing my credit. I tried to get store credit cards etc but every time they decline because I haven't a sufficient credit history, or references. How can ... |
|
 Ex husband filed bancruptcy and bank wanting me to pay off loan he was responsible for? |
| this is a second mortgage. i was released from the original loan. divorce papers say he was to assume loan and have it taken out of my name, which he never did. need to know my options for dealing ... |
|
 Can I get car credit in mothers name as I am discharged bankrupt? |
| I was discharged from bankruptcy in April 2006. Before I was made Bankrupt and never had any money I could have car credit but now I can easily afford repayments I can't get credit. Would I be ... |
|
 When do creditors stop chasing the debt? |
Additional Details
an x girlfriend of a friend had a supp card with his credit card, shes now dumped him and refuses to pay the 7k which now becomes his debt and yes he has learnt his ... |
|
 Anyone know how to get a mortgage loan with 100% financing with bad credit? |
| i have a credit score of 570 and have no money to put down any help to someone who might knw how to help me get this loan to purchase my home????... |
|
 It's unavoidable - we're gonna miss a mortgage payment. How badly will that affect our credit? |
| We can't make our December motgage. We can't borrow from anywhere and all our savings are depleted because my spouse has been out of work for most of the year. He's the only person on ... |
|
 We receive points =money for each qestion we say? |
| hi,my name is camelia,i am from romania.i want to ask you something.this bussines ,with yahoo answer,they really pay you because you ask or answer something?i want to know sure .i want proves.... |
|
 I have been trying to find a bank that will give me a chance with a credit card even though i have bad credit? |
| I am getting married end of this year and would like to have a beautiful wedding but as we all know weddings are expensive, i dont want a fancy wedding just one i wont forget .So i guess i just want ... |
|
 My credit card is being used illegally by someone using a yahoo e-mail. How can I get Yahoo to help? |
| Yahoo has no e-mail to report fraud and no phone numbers to call about problems so how can I get them to cooperate?... |
|
 Should i notifiy the police that i'v beeing scamed? |
| I believe this website is a scam. http://www.premiumart.co
they sent me a check so that i my cash take a way 10% and return the reminding 90% back to them through western union. I yahooed ... |
|
 Are the drug dealers suffering from the credit crunch? |
If all the high fliers from wall st and the city are finding a shortage of usage of thier flexible friends . #
does this cause a shortfall for drug dealers , is the price of good coke falling ... |
|
|  |
flakeylou | Can anyone tell me how long CCJ'S stay on your credit rating please? |
|
 |
 
claimbankchargesback
|
In the UK they stay on file normally for 6 years, after that time they automatically drop from your credit file.
This is 100% definate, and the previous answers saying 7 or more years are incorrect! (Check out the URL below for Experian who hold your credit file for proof)
You can only have them removed if you pay in full within 1 month of receiving the CCJ.
However, any time after that when you have paid in full, you can apply to the court that gave you the CCJ to have it marked as satisfied, so that lenders can see its been paid, which makes things a bit better. |
|
Studly
|
>pointing at SCH's Answer...<
HaHaHa....geez! Hey, I did warn you sweety.
Wrong again. I've posted this answer over and over. You somehow manage to add even more wrong info to it!
Spiff is correct. Please refer to the Fair Credit Reporting Act. Judgments can only stay on your report for 7 years, beginning from the date the judgment is issued.
15 years? Your referring to judgment SOL's? |
|
Rainbow Daemon
|
Six years |
|
alatoruk
 |
6 years.
if you pay it off you can have a note added to say you have, but the ccj stays therefore 6 years. |
|
thejuicemakingman
 |
As an aside you can have them removed, and its cheap and simple.
To have your judgement set aside you will need to put forward a reason why. You must keep your reason as clear and simple as possible.
I have listed quite a few valid reasons below.
Were you given 28 days notice in order to pay?
Were you living at the address when the summons and judgement took place?
If you took out a loan or any form of credit were you in receipt of the Default Notice before receiving the summons.
Did you receive the summons? They are not sent by recorded mail.
Maybe you were unable to attend court and defend yourself.
The judgement should not appear on the credit files if it was paid up within 28 days.
If you agreed to settle 'out of court' with the plaintiff you should not have received a Judgement.
If you did not receive any notification of the judgement/s made against you, then you can appeal.
Did you agree with the full amount of the judgement at the time, but now only agree with part of the amount?
Was the summons taken out against both yourself and another person jointly. If this is so, did you both receive your summons?
It could have been that you were away from the time between the issue of the summons and entry of the judgement?
Did you receive the summons on time for you to apply to the court. You have 21 days to reply to the court. If the summons was 21 days late then the judgement would have already been taken out against you?
Did somebody use your name or address to obtain credit, which resulted in a County Court judgement without you knowing?
Lastly...
You can use any of the above reasons to have your judgements set aside.
Remember that no correspondence sent by the courts or the plaintiff is ever recorded. In the majority of cases County Court Judgements fail to comply with every detail.
This gives you the chance of having your judgement/s removed forever.
Go to this link for more info and template letters. Good Luck.
http://www.insolvencyhelpline.co.uk/ccj-removal/valid-reasons.htm |
|
SPIFIMAN1
|
7-years or until the statute of limitations runs out whichever is longer. |
|
dnsspringthorpe
|
six years |
|
BigBird
|
6 years |
|
stormydays
 |
six years unless it is concerning a mortgage then it can stay as long as 12 years.
If you pay it before the time ends you can have a 'certificate of satisfaction' attached to it on your file |
|
Ellie.
|
After they are paid off they remain on your credit file for 6 years during which time they are entered as satisfied. |
|
FRANK W
 |
its 6 years they dont allways come off automaticly |
|
SCH
|
Most paid off items stay on your report for 7 years or 7 years from the date of last default (of course if it is not paid off it can be sold after that time and show up again for 7 more years or until you finally pay it off).
Public records (ie bankruptcies) stay on for 10 years.
Judgments stay on for 15 years.
A CCJ is a County Court Judgment, so it should stay on for 15 years from the date of issuance. |
|
Me
|
6 years is correct. When it has been cleared you can then request the court to advise the debt it now 'satisfied' there is a small charge for this about £15.00.
The CCJ is NOT removed for the 6 years but the word 'satisfied' will be put along side it to show any prospected creditors you have sorted your finances |
|
schhh.uknowwho
 |
i believe its 6 years. if you've cleared the debt however you can have it removed from your credit rating. |
|
Princess
 |
I'm told 7 years. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 18 minutes(s) ago
| | | |
15 | 55 minutes(s) ago
| | | |
15 | 58 minutes(s) ago
| | | |
15 | 2 hour(s) ago
| | | |
14 | 4 hour(s) ago
| | | |
15 | 7 hour(s) ago
| | | |
15 | 8 hour(s) ago
| | | |
14 | 2 day(s) ago
| | | |
12 | 2 week(s) ago
| | | |
15 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
