just seen this thread . I have 2 files from Welcome removed from my credit report this week. I wonder what is going on, but I am happy they are no longer there Someone stated that the debt obviously hasnt gone and may re appear if the debt is sold. So that brings a question to mind ... If there was a default date on one of the files will that still stand if the debt is sold ? The other was never put to default, just missing payments .. Just asking as the defaulted file was defaulted on 06/06/2008 so in effect would have disappeared next year anyway

ok I have a new question based on the original opening post ... I check my Experian credit reports regularly to see how its going, hopefully in the right direction I checked yesterday and my credit score has whomped up about 250-300 points .. See the 2 debts in the opening post ? Both are with Welcome finance, these are the highest value ones I have on my account and probably the most damaging.... ..............Well they have gone ?!!?? Vanished. Not that I am not happy, I am very pleased lol BUT how come they have gone ? One was never put into default by Welcome ( the highest one ) The other went into default on 06/06/2008 so obviously not ready to leave the account for a few years yet Anyone have any ideas ?? And NO I didnt pay anything or acknowledge them in any shape or form

thanks guys for the help, much appreciated Will be printing the letter out tomorrow, posting and lets see what happens. Funny how they chasing it now its off my records:???:

i have made no payment or acknowledgement to anyone about this debt ever.

found it thanks OK I had a bit of a brain wave moment in the shower...i must spend more time in there lol I had an account removed from my credit report as ii was over 6 yrs the other day 13/9/13 to be exact Just had a look for it on an old report and ta da guess who it is/was Nationwide for the sum of £360 started 06/07/04 default date 13/09/07 debt assigned to CAIS member 01/08/11 therefore it came off on the 13/9/13 so now what lol Can they still chase this debt?

ahh oki thanks Never seen the doorstep letter tbh lol

bit hard to ignore them when they are knocking on the door tbh If it was letter only then yes I agree, but its a hand delivered letter

hi all Just a bit of advice please Out of the blue I have had a visit from Scotcall in relation to Nationwide for £359.84 I wasnt in when they called but they have left a postcard for me to call them I used to be with Nationwide a long time ago, having a current account with them I had no credit cards/loans or even an overdraft on this account so Im aonly assuming these are bank charges So how do I play this ? Its not on my credit record, well not as far as I can see. But obviously they are braying on my door for the money What the next step for me please ?

If I SAR them. wont it then make it a live issue again ? With it being not long to going off record is it worth it ? Also the statue barred - the rollover on this site says ...... In principle, a debt cannot be enforced after 6 years from the date upon which it became due. The 6 years runs from the last time that the debt was acknowledged in any way or from the last time that a payment was made towards the debt. So does that mean that as soon as the 1st debt hits 72 months then it should disappear from the report ? It is showing as up to date on the 65th month so maybe that was when i last made a payment to it. The 2nd debt is defaulted so should go in June next year as that would be 6yrs from default date, if I understand correctly I am only concerned with these 2 as they are the 2 largest ones and I dont want to be waking them up so to speak

Hi all I have now decided that it is time to drag my butt out from under the debt rug and sort it out ! I am now in work and want to get my credit report looking a lot nicer than it currently does ! I have a couple of questions though and wondered if you guys and gals could shed some light on them for me. Im not the smartest smartie when it comes to dealing with financial companies and the lower level so called companies... My credit report is Very Low ! no suprise to me, but I would like to get my act together now and sort it out or at least try The 2 main ones I have concerns over are 2 for Welcome Finance Ref 1 Account Type: Hire purchase/Conditional sale Started: 20/08/2004 Current Balance: £6,433 Payment Terms: £246 x 49 months No default date - states 6 payments late in the status column Last payment they have recorded is in the 59 month section ref 2 Account Type: Loan Started: 30/11/2005 Current Balance: £4,309 Payment Terms: £99 x 37 months Default Date 06/06/2008 Last payment they have recorded is in the 55th month section I have the paperwork for both these, somewhere ... What I want to know is. I havent had any contact with Welcome for at least 7 yrs. After reading a few threads on here I am supposed to be getting annual statements ? Yet I have had nothing from them since the accounts were defaulted I dont want to contact them and awaken the debt as if I am reading things right the 2nd loan will be removed from my credit report on 06/06/2014. I am assuming they are keeping the other one open and have no intention of defaulting it ? I also read that they are not in a good situation as a company, so how does that affect me with the outstanding debts to them ? So what do I do with these ? Sit tight on them ? I have a few other minor debts on my file which I intend to get information for and clear off. I have 1 that will be 6 yrs on the 13/09/2013 as its default date is 13/09/2007 i am assuming i should leave that be and concentrate on others that wont clear for a while. ? Hopefully that made sense to someone somewhere lol I am just trying to get my act together at long last and ahavent a clue where to start other than pay .. Any advice is much appreciated Thank you in advance

ok I think im getting there lol Ill ring DVLA on monday and see if it logged with them So what do i plead ? guilty/ not guilty /confused ? And what do i put in writting to them in regards to it Grr next time i will check check and triple check everything I dont have a problem with my bike stuff lol, then again i dont sorn them as theyare cheap as owt to tax

thanks for the quick replies all.. much appreciated, though still a little confused still.. Im assuming that it should have been insured regardless to it being on sorn.... hasnt been driven unfortunatley i dont have proof that i sent off the sorn notice, but it confuses me that i havent has a renewal notice either Im guessing i need to disregard the letter done for me, thanks though Brig so still none the wiser what to plead or what to put in the letter lol

hi there Sorry Im struggling to get my head round what to do in this situation I have had 1 letter which is a requisition that I attend court on the 4th Oct ( which i cant as I am working ) And I want to reply to the case stating my side So it is for no insurance on a vehicle which I, probably in my naivety, thought was sorned and okay I sent the sorn notice off in Feb, didnt get any response but to be honest never chased it. It was off road and still is, parked on private ground. I didnt know it had to be insured when sorned, and again, never took much notice to the new rules... I am not insurance dodging as i have 2 motorbikes which are insured and tax n tested. I have not received any other letters from anyone until this court letter, so didnt know anything about it....also the tax on the car runs out today and i havent had notification, so this makes me think that there is a problem in the system somewhere as surely i would have had a notification unless it was noted as sorn? As soon as I got this letter I insured the car, seeing as it has to be done so by law I have looked up the penalties and it says up to 6 points, to which this can make me unemployed as I am a bus driver which 6 points is a no no .... SOOO can anyone help/advise do i plead guilty/not guilty /write a letter in my defence ? If so can anyone help me draft a letter, pretty please Thanks in advance

I have actually made a payment of £25 today not £20 and will do so every week on Wednesdays. the total bill is for £900 but the bailiff amount is £1005.50. I am now concerned about the cars, my partner works from 7.30 -7 so his car is away from the house from 7am till between 6 - 8pm. Mine is at home with me at the moment as I dont start my work training till the 31st Oct. I can however park mine away from the house. can they take the car if it is needed for him to get to work ? Im assuming they can. The council tax is in his name so I'm assuming they cannot take my car ? Or am I wrong? What is my next step of action in regards to bailiffs/council ? Is there any form/letter I should be issuing to them. I printed a receipt off for my payment. Is it worth drawing up a letter stating the offer of payment and sending a copy to the bailiffs and council ? Also asking for the debt to be reclaimed by the council. I have read people asking for the breakdown of fees included in the bailiff total.Should I be doing this ? Will this stop any bailiff action on the cars ? also I am still in doubt about the 'Bailiff in Charge' as his name doesn't come up on the search, I have rung but only get automated answer and it still doesn't come up on that. Another thing is, can they issue a 'Final notice' if it is the only notice they have ever issued ? Nothing has been received from this company prior to this hand delivered letter. Sorry for all the random questions thrown, just when I think we will be okay I read more and then more doubt pops into my head

thanks for the replies all The situation is i start work at the end of the month so payment amounts 'can' go up but would prefer to keep at £20 a week and if i have extra pay a lump sum off it when i can The bailiffs are due again today if the letter is anything to go by. Should I talk to them? Or just ignore the door? From reading other threads im not so sure how to go about this. I have read some answer the door and others dont. I am also assuming they cannot gain entry unless something is open like a door/window? I have made a payment of £20 today online and will do so from now on every Wednesday We are not eligible for CT benefits or rebates and not classed as vulnerable. Just lazy in paying the CT ( i admit it ) thanks all for the help so far, still worried but not as much lol