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About ljm1985

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    Basic Account Holder
  1. Hi all, I decided to query this with Equifax. They sent me a note to say that it would be up to 21 days and the status was 'sent to 3rd party'. The 21 day deadline ended today, and whilst I have received no further communication, the sttus has changed to 'company - no reply'. Does this mean it will be removed from my records? Do I need to do anything further? Thanks again for the help on this. It is such a relief to get this off my mind. ljm
  2. Thanks again Citizen B The debt would be a current account and mot would be charges from the point I assumed i'd be going bankrupt and just let it run its course. As I say I won't have touched this account in over 6 years now. It is down as my old address on the credit report and i've not lived there since before 2009. Could I statute bar this one? I'd like to get it off my record.
  3. Thanks for the reply and the letter. Do you have a template that I could send to Equifax to get the Citibank removed? Like you suggest it must be an update rather than a default date given the time frame.
  4. Thanks Citizen B for the reply. I've also gone ahead and done an Equifax check and the score was different due to a default from Citibank. However the default date is 2014 and relates to a previous address which I have not lived at in the last 6 years. I've not made any payment on this or had any contact in the last 6 years either. There are no other defaults on record. Terms 0 @ £ 0 (Monthly) Status Defaulted Current Balance £ 960 Start Balance £ 0 Credit Limit £ 0 Default / Delinquent Balance £ 843 Start Date 19/01/2007 Date Updated 06/10/2015 Date Last Delinquent Date
  5. Hi all, I have a number of unsecured debts and phone contracts that resulted from me giving up my business at the start of 2009 to take care of my parents who both have dementia. The debts were personal and not in the business name, although almost all of them were used to set up my business. I always intended to go bankrupt but due to the pressure I am under looking after both of my folks, I just never got round to it. Letters came through the door, but nobody ever knocked it and here we are 6 years later. The letters are rare. In the last few months I have only received about 2-3 l
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