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  1. Hi All hoping someone can give me a bit of advice, I had a credit card with Lloyds that I fell behind with the payments. I got defaulted by Lloyds and never heard anything from them after they closed my account. I noticed the default on my account was nearly six years old and thought that it would be wiped off. then I started getting letters of capquest, I denied all knowledge of the debt and then noticed a new default had appeared on my credit file form them. I was under the impression that a debt was wiped after 6 years? please point me in the right direction. many thanks in advance
  2. I have one default on y credit file from 5th January 2009 so i know by 5th Jan 2014 it will come to an end but what happens to it, does it just go away, or drop off...or does it go to settled, or satisfied, or do i have to get it removed?
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