Good afternoon.

I am back under anew guise.

I posted last year about a Minicredit default a £200 that ended up a £1200+ one after non payment.

I hate the companies & now the default stands at £522 with Kapama & shows 5 years of non payment on my noddle file but is not present on my Experian or ClearScore files.

It's on there till march 2018.

Do I let it slide,

I've still been getting voicemails from Opos demanding to speak to me

(I blocked their numbers so that's their best way of trying to get in touch with me)

for all I care they can do 1.

Will that default disappear in a years time.

I've a couple of other issues but that's 1 I'm looking to clear up for now.

Thanks in advance

Rob

It will disappear on its 6th anniversary, never to return, unless they begin legal action.

Do they have your current address?

Many a backdoor ccj has been obtained at a debtors previous address.

Consider sending a CCA request which will make sure they have your current address.

If its in its last year before dropping off then i would expect activity on the account to increase and if they only have an old address because its not been updated or you havent responded in some way then a claim may well be issued to the old address which you will know nowt about until they have a judgement.

Ok thanks for that. The default itself is registered to an old address of mine for when I lived at home. Because of prior experience with myself they are walking on eggshells with me as it is & ive a good mind to start picking up the phone to them and god help them for what would come out of my mouth but that won't solve anything.

Nope, it rarely does. Best to keep any communication in writing only, makes a good paper trail for later should you need it.

Rob I note thats your real name ..perhaps think of an alternative to protect your anonymity...PM me your preference.

Regards

Andy

Hi there everyone thanks for the replies.

Now I think I'm gonna leave that default where it is.

Now onto my other question.

I have missed payments in the last 6 months.

How long are they likely to affect my credit for because i got declined for an Argos card & Lloyds bank overdraft.

Many thanks

Rob

Anything on your credit file, defaults, ccj's, late payments even closed accounts will stay on file for 6 yrs.

Credit searches are generally there for 2 yrs

Rob I note thats your real name ..perhaps think of an alternative to protect your anonymity...PM me your preference.

 

Regards

 

Andy

Named changed given you have not made any response to my last post

what was your old username?

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Minicredit+default+a+%3F200+that+ended+up+a+%3F1200&sa=Search+CAG#gsc.tab=0&gsc.q=Minicredit%20default%20a%20%3F200%20that%20ended%20up%20a%20%3F1200&gsc.page=1

any of these?

however yes your correct it will drop off the file on the defaults 6th birthday.

doesn't mean its not owed mind...............

dx