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Orange debt/default-advice please.


candlerose
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Hi candlerose and welcome to the CAG.

 

A default will stay on a credit file for 6 years unfortunately. What I did though was explained to Experian that the I was disputing the default. What they do is put a Notice Of Correction on that part of your file. This explains to any potential lender that they should not take the default "as read" as it is in dispute.

 

If your son had no contact with anyone regarding the debt for 6 years, then the debt would be "Statute Barred" and they could not pursue your son in court for the debt.

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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I'm not sure whether the call to Orange constitutes "acknowledging the debt". If it does, then I presume it will be another 6 years from now before they cannot pursue it further. The default will automatically be removed in another 2 years anyway but he can get Experian to put a Notice Of Correction on the file anyway.

 

I would let it lie now unless they start sending letters again. If they do, then just put a post here and I will get a message to tell me to look at it.

  • Haha 1

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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