hi folks,

im currently going through mums paperwork

i see a few debts that havent been in touch in over 6 years but are still on her credit file.

what do do / she need to do in order for those debts to be removed from her credit history.

nothing

are they debts?

or just running credit?

is there a defaulted date?

dx

for example t

heres a loan that was from the very early 90's that only caught up to her 2009 and the last time they got in touch was january 2011.

so if im correct wouldnt that run into the statute barred where debts at 6 years and older can not be claimed?

if so how does she get it removed from her credit history to start restoring it

ok lets explain things...

just because a debt maybe statute barred that's no reason for it not being shown on a credit file.

if the debt has never been defaulted

it will show .

though in that example above, it looks like the sold it on 2011 so I bet that's the defaulted date

a debt stays on your file for 6yrs from the defaulted date

or

from the date settled

actually no, it has been the exact same company.

so what does she need to do to get them to stop chasing her for the old age debt and have it not cause damage to her credit

so whos the loan with please

when was it taken out

and when did she last make a payment or respond to any comms from the owner above?

i understand the following details

its a mortgage loan (i think) from beneficial finance

taken out early 90's im guessing 91

last payment , and this was when it was an arrangement due to low income which was i think £10 a month, and last time she made a payment was around march 2010

weve have no messages on the answer machine (we dont answer the phone due to cold callers) and we havent heard from them via letter since 2011

is this a secured loan?

is she still in the same house?

if so there'll be a charge against the deeds/property on land registry site

a secured loan/mortgage is 12yrs statute barred

but the charge stays till its settled.

keep going tell us more now you have the info above.

dx

no we have moved several times since then.

dont know about it being secured,

it was in fact her husband that took the loan out via a joint loan

but she didnt really understand what she was doing , pretty much like now.

ok thanks

urm..somethings not seeming right here

once the address that the loan was taken out at was sold the loan should have been paid off from the sale.

what was the terms of the loan..for how many years

still got any paperwork?

dx

ill rummage through the documents box and see if i cant find anything connected to the loan.

not sure about what happened with the house situation as i was just a kid back then, and with mums mental status ie depression etc it will be hard to gain the facts i need but i will try.