I would like some advice please.
I am self managing my debts due to reduced income caused by marriage separation.
I am wanting to apply for a remortgage and have been told to wait until September which is when defaulted accounts will be 6 months old.
One of the debts has refused to default the account.
I have paid them reduced payments from July/August 2019 but stopped paying them from February 2020 to see if they would default account.
The account on 3 CRA’s is marked as disputed, delinquent & unknown.
Can anyone advise what I should do?
Should I hope they will default account but then wait 6 months after before applying for mortgage or start snowballing account?
I have put a complaint into the FOS due to non-default of account.
Any advice would be great!