Thread: Default Showing - Please help

I have a default showing on my Equifax credit report.

This is from Egg and I made arranged payments with them back in Nov 2003 and this is the SAME date they chose to issue the default - thought I don't have any notice of that in my paperwork. There is a remaining balance of £2998

I have never missed a payment with them. I was told that because this debt will be 6 years old this November, that the Default will no longer show on the report - is this true?

If the Default is not removed, do I have to first clear the debt in order to begin the process of having it removed from my report?

Any advice much appreciated.

dd

Hi Dolly

The Default Will Be Removed Six Years To The Day When It Was First Placed There

As You Have Been Paying The Debt, You Still Need To As The Debt Still Exsists, Its Just They Cant Default You Again

Ime Surprised It Was Not Sold To Some Scum Bag DCA

Unfortunately, it WAS sold to some scumbag - Moorcroft debt to be accurate as Egg no longer exist.

I know I still need to pay it, I'm just desperate to get it removed as it's already cost me a job.

Even though I already work handling customer accounts and have access to payment records, I applied for a new job who ran a credit check on me - this default is the ONLY bad thing showing so it must have been this.

And yes, I did have a clear record on my Disclosure Scotland!

dd

Correct

Thats Why They Tried To Get Every Body To Transfer The Balance Into A Personel Loan

Mind You

Crappyquest Had A Go, Not Much Luck Though

Every DCA Must Know Its A Bag Of Lemons:grin:

Did You Check If Any Charges Were Applied
Get Them Back To Reduce The Balance

Its A Bit Late Now, Could Have Used That To Get The Default Removed

Have You Ever Had A Complete Statement From Moorcroft,
Wonder If Some Creative Accounting From Them