the credit file has to show an accurate state of an account, regardless of a CCA1974 being found or not, as long as it accurate then it stays there, afraid same with many of us. all no CCA1974 means is that they would have a job to enforce thru the courts until they find one and it is an actual true copy with all the bits in it

So in order to keep my credit file clean i need to pay this off or keep paying on time. is that correct?

as far as I'm aware a mortgage co wont nor cant see the monthly calendar.

what interesting here is marbles must have defaulted the debt to sell it on to capquest.

exactly that is why i sent them a SAR and have not received it

Also if am not paying the monthly figure then surely my credit score will drop as late/ non payments will affect it

not by must though if at all.

I doubt if it will drop as they cant issue a default notice as it was defaulted years ago. If capquest are just rent collectors they cant do anything about anything and Marbles wont be interested.

Hi,

Did anything ever happen Re marbles/capquest?

I am in exactly the same position, Capquest have reported my credit file as various things over the past 5 years such as DM AP etc, even saying the account has been 3 4 or 5 weeks late paying.

I entered a DMP with stepchange in 2008!

Not sure if marbles ever defaulted it?

Every other debt has gone from my credit file apart from this one.

I am now in a position where I may be able to offer full and finals so have CCA,d all 11 companies....mainly all now DCA’s.

Still owe around £34,000 in total to all.

I suppose best thing is to SAR Marbles for an answer re default?

Capquest replied to my CCA request returning my £1 postal order with a hand written compliment slip saying the £1 isn’t required.

....nothing else, no other remark or comment or saying what they are going to do!!

better to start a new thread

of your own please

this one is for advising MM

dx