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master woody

so what happens when....

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This must have happened before!

I asked for my CCA and the creditor was unable to supply the documents, the account got defaulted in 2005 and is on my credit record along with the balance and my payment history.

Due to the lack of the CCA I’m no longer making payments. But the account still appears on my credit file. When will this account disappear? 6 years from the default (2011) or 6 years from my last payment? Or will the default be removed and the account jus sit there for ever!

The creditor has given up chasing payments, but has refused to give me a zero balance :(

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6 years from default


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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;) ta

 

Then the CRA just remove all the info re the account in 2011! thats great news thanks.

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unless of course some lowlife dca crawls out of the woodwork and tries to instigate another default for the same debt:)


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I'll be watching out for that.... i have printed out my CRA every six months for that very reason.

 

If that happened all i would do is write to the CRA's and say look it the same debt and the defualt has run out, look at this photo copy. then they would have to remove it?

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