Hi Dodgeball, would the letter I would send to the creditor ask for removal of the debt on my credit file due to the debt now being statute barred? Thanks Fused.

Many thanks for your replies. I will contact Payplan and write to the CRA and try to get this removed from my credit file, hopefully before applying for a mortgage. Apologies for my late response an accident has left me with a badly broken leg, still I now have plenty of time to resolve the problem. Cheers fused.

I think the other debts were defaulted prior to entering the plan as the default dates on my credit file varied, but they have all gone and are no longer showing. Would payplan be able to offer any assistance in correcting this if they were at fault.

Hi, the DMP is no longer active. It ended approximately 7 years ago, probably a little longer. This was when I could no longer make the payment. The other creditor accounts were removed from my credit file once the six years had passed and are no longer showing. Thanks fused

The original DMP was with payplan and was fee free. I think I will write to the CRA as recommended to hopefully try to get it removed. I would be concerned that it would suddenly get defaulted causing more problems than it currently is. Thanks for your replies. Fused.

Thanks for all your replies and the advice BRIGADIER2JCS. I am only currently viewing my credit file through one CRA. The debt along with others were briefly on a DMP. This shows on the credit file it has an arrangement start date in 2006. My credit file is now in good order other than this account remaining. It is showing as an outstanding debt balance but has never been defaulted by the credit card company, it is marked as satisfactory and the payment made as zero all the way back as far as it shows (72 months) and it was last updated this month, once again zero payment and satisfactory. Would the fact this was on a DMP make any difference? Thank you for your help. Fused.

Thanks for the reply. Would anyone have any information on getting it removed from my credit file preferably without contacting the card company and what information I should give regarding the outstanding balance when applying for a mortgage. Many thanks, fused.

Hi, I was hoping for some information regarding a credit card that is showing on my credit file despite the debt being approximately 7 years old and during this period no payment or acknowledgement towards it by myself has been made, the company has never defaulted it. I am currently not being chased for it, in fact I have never received any corrospondence during this period. I hope to apply for a mortgage and I am concerned as to what I should say regarding the debt, after all I don't acknowledge it. Any help would be gratefully received. Thanks, Fused.

Hi, I am new to CAG and this is my first post. I am looking for some advice regarding a Quick Quid PD loan for £200 in 2009 which has been sold to MMF DCA. I sent them a CCA request in December 2011 followed by a default letter in January 2012 after not recieving one. I have now recieved one that appears to be genuine it includes my address and contact details at that time along with the details of the bank account it was paid in to and the terms and conditions along with the X in the electronic signature box. Can anybody give me an indication of where I could look to see if this agreement is valid. Am I right in thinking that the statement of account would include all payments made against this loan from my bank as this was not provided although asked for. Since the last letter sent by MMF they have decided to add £317.20 onto the original debt without explaining why, despite the last letter stating the account was on hold. I am unsure if I should offer a lump sum settlement, what that should be and what happens if its refused. I am certainly not willing to pay any form of charges (£317.20) to MMF who seem to be nothing more than legal criminals . Thanks for reading and any advice would be most appreciated. Fused.