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Statute Barred, Defaults, DCA's CRA's


Ivan99
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Good Afternoon,

 

I was looking for some advice on my credit file.

 

Right here goes, I have 2 credit card debts which I believe are statute barred. I have recently obtained a copy of my credit file and these debts are still being reported by the indvidual DCA's as defaulting on a monthly basis.

 

I do not want these statute barred debts to effect my ability to obtain credit in the future and would like to clean up my credit file.

 

I would like to know if statute barred debts can still be reported on your credit file as defaulting and if payment is the only way to improve the credit file.

 

Any help and advice would be appreciated.

 

Thanks.

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Hi,

 

I am experiencing the same problem, i'm not sure what to do, other than send the company in question the guidelines from the OFT (which you can print off) and then sending them a strongly worded letter informing them that you will be reporting them to the OFT and the Financial Ombudsman if they are not removed!

I'm sure you could take the matter to court? they are, after all breaking the law!:cool:

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