Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Right here goes, I have 2 credit card debts which I believe are statute barred. I have recently obtained a copy of my credit file and these debts are still being reported by the indvidual DCA's as defaulting on a monthly basis.
I do not want these statute barred debts to effect my ability to obtain credit in the future and would like to clean up my credit file.
I would like to know if statute barred debts can still be reported on your credit file as defaulting and if payment is the only way to improve the credit file.
100% positive, I have made no payment or acknowledged the debts for over 7 years. There are also no ccj's logged against me so I am sure they are statute barred.
I am experiencing the same problem, i'm not sure what to do, other than send the company in question the guidelines from the OFT (which you can print off) and then sending them a strongly worded letter informing them that you will be reporting them to the OFT and the Financial Ombudsman if they are not removed!
I'm sure you could take the matter to court? they are, after all breaking the law!
Statute Barred, Defaults, DCA's CRA's
. I have recently obtained a copy of my credit file and these debts are still being reported by the indvidual DCA
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