I borrowed £11,000 personal loan from Natwest bank in 2008. I did my repayment for just a couple of months and then I stopped my repayment. The court sent me a letter to come to the court but I did not turn up. Then the court sent me a letter asking me how much I could pay. I showed some calculation to the court and said that I could pay £5 a month. The court accepted my £5 repayment scheme and granted zero interests on the loan. But after 6 months I stopped paying £5 too. I have never filed any bankruptcy.
I got an Experian Credit report online and my credit score is 729 out of 999. It also says that I have no public record of bankruptcy, county court judgments and IVAs.
Recently i have applied for credit cards and everywhere accepted me and I have 8 credit cards now.
I just bought a flat under my name using cash (i.e. no mortgage). My question is that is there a possibility that Natwest, court or government find out about my flat? How could they find out? What happens if they find out? Would they take my flat away? Would they ask me to repay the loan? Would I need to pay the interest on the loan too? How can I find out if there is any record of debts under my name?
thank you for getting back to me.
What happens if I am not within the six years limit? Can they take my flat away? Can they come and take their money?
The debt was unsecured because I had nothing in my life on that time.
What is the maximum that they can do?
can they take interest on that 11,000 pounds since 2008?
HOW CAN I AVOID THEM FINDING OUT ABOUT MY FLAT?
STILL THEY HAVE A CCJ ON ME SINCE 2008?
CAN THEY CHARGE INTEREST SINCE 2008 ON 11.000£?
ALSO IS THERE ANY WAY THAT I FIND OUT ABOUT ME BEING ON THE LAND REGISTRY LIST OR ANYTHING AGAINST MY NAME IN THERE SO THE BANK CAN FIND OUT OR THE BANK GET AN ALARM THAT I HAVE A FALT?
HOW OFTEN THEY DO RUN THE SEARCH FOR PEOPLE LIKE ME?
I got an Experian Credit report online and my credit score is 729 out of 999. It also says that I have no public record of bankruptcy, county court judgments and IVAs. SO DOES IT COUNT THAT I AM CLEAR FROM LAND REGISTRY ?
THIS IS THE LAST QUESTION. I AM DONE.
GOD BLESS YOU
I JUST PRESSED EXCELLENT FOR YOU, SO YOU GET THE MONEY OR I NEED TO DO SMETHING ELSE?
OF COURSE, GOD BLESS YOU, THANK YOU SO MUCH FOR YOUR HELP.
CAN I TAKE YOUR NUMBER INCASE I AM IN TROUBLE IN FUTTURE?
MY EMAIIL ADRESS IS :