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Can anyone help please , i have several defaults on my experian credit file and would like to know when they actually disappear , i know it takes six years but who decides when the time is up ? Does the dca`s have any input ? I cant remember when i actually spoke with the dca`s , it may have been about four years ago , the defaults will be six years old in march next year , does that mean im free ?.......Would experian be the people to contact about it ? Would they tell me if my defaults will be statute barred in march ? ....many thanks :-|

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Can anyone help please , i have several defaults on my experian credit file and would like to know when they actually disappear , i know it takes six years but who decides when the time is up ? Does the dca`s have any input ? I cant remember when i actually spoke with the dca`s , it may have been about four years ago , the defaults will be six years old in march next year , does that mean im free ?.......Would experian be the people to contact about it ? Would they tell me if my defaults will be statute barred in march ? ....many thanks :-|

 

 

You need to be in a different forum re you thread subject so I will move you across to debt collection forum where you will get better advice.


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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You should get some quality advice in this forum :D

 

Good luck

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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The will just drop off your files once the 6 years is up without any reference to you unless you have signed up with the CRAs to be informed of any activity on your reports.

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The default expires and drops of your file automatically six years after it is first registered.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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I take it after that my credit rating will be back to normal , ie mortgages etc

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Once they all drop off, yes.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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is it 6 years from the default 'registered' date

 

or 6 years from the last 'update' particularly where a payment has been registered after the default date ?

 

I've seen conflicting information on this over the years.

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From when it's registered. But it should be registered within a 'reasonable' time from when the default occured & wasn't remedied.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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From the default date.

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From the default date.

just printed off my account with experian and it tells me in march next year i`ll be qouting john inman " IM FREE "......thanks guys

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It has come to my notice that satute barred in Scotland is only 5 years according to the prescription and limitation ( scotland ) act 1973 . Can anyone advise me on this or can anyone confirm this ...thanks

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Thanks for that , can you tell me then why experian still show defaults on my credit file when the last of them was five years old in march this year , thanks

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Contact them and complain. Remind them that you are in Scotland and the limitation is 5 years.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Contact them and complain. Remind them that you are in Scotland and the limitation is 5 years.

Thank you cerb

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Contact them and complain. Remind them that you are in Scotland and the limitation is 5 years.

Phoned experian today , i told the girl about the Prescription and limitations ( scotland ) act 1973 and that i lived in scotland , as far as she and her managers concerned Experian keep defaults on your credit report for six years and thats that , she said i could write in about the subject , is there any point ? feeling deflated , ah well not long to wait , would welcome any views , thanks :confused:

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CRA's cannot tell you what law they are relying on to allow them to do this-it is "industry practice" plus the fact that no-one has challenged them head on in court

 

yet

 

;)


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