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About kream

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  1. Hi, Has anyone had any luck challenging a default on their credit file? I read somewhere that if the creditor (in my case Santandar bank) doesn't inform you that your account is going into default, that it can be challenged. I didn't get any written communications regarding this before it happened. I have a loan (£25K) which I paid for 2 years but then couldn't keep up payments. Would be grateful for any help and advice. Krem
  2. The defaulted date is the December 2010. I have to wait another 2 years. I was thinking of paying it off with some sort of payment arrangement. But if I do this it will start the whole process again. I really appreciate your advice on this. Have a good day!
  3. Hi, Thanks for getting back to me. Is that the 6th birthday of the date I made the first default? I made the first default on April 2010, does that mean April 2016? What about the subsequent defaults? there is a default since then for every month till the present. Thanks, Krem
  4. Hi, I would really appreciate some help on this. I took out a loan around October 2008 from Santander (£25K). I made regular payments till April 2010 sadly my career took a nose dive and I was unable to continue payments. I have not made payments since and I was unable to get any credit anywhere as a result s I never looked at my credit file. Since then I have had various communications from the bank as well as letters from various debt collection agencies (around 10 different ones) saying that they have taken over the loan. I was hoping that after 6 years the debt would fall off my credit file. Yesterday I got a free credit report from Noddle and it seems that every month I am defaulting on that debt. My question is, since the debt is now 6 years old, will it and the 4 years worth of defaults magically disappear, or will this follow me around for the rest of my life? The defaults are updated every month. Any help will me much appreciated. krem
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