Newbie ......... In Desperate Need Of Advice Please !!!

[joella68]

hi all, firstly thankyou for all your wonderfully helpful replies so far, ive got mum to sign up tp check my file as suggested in an earlier post, what should she be looking for ???

[dx100uk]

get the full report

look for any default notices or CCJ's etc

 

dx

[joella68]

ok thanks for that dx

[joella68]

morning all, just wanted to let you know mum got her credit report this morning from all 3 agencies and .................. nothing whatsoever !!!

no defult, no ccj's nothing ! but having said that it does natrually only go back to 2003................. is this a good sign ???

 

surely if there was a debt there they would continue to alert the agencies ??? and wouldn't they be putting it at default ???

[joella68]

bump

[silverfox1961]

Any debts such as they are, still exist but after 6 years of no payment or acknowledgement, there's nothing they can do.

As you say, the credit file is clear so it's fair to assume the debts have fallen off as they are over 6 years old

[dx100uk]

pers i'd now ignore them totally.

remember, even if they do kick off, and you might then p'haps post the statue barred notice, its for them to prove in is NOT statute barred, not for you to have to proce it is.

as said before , i doubt very much they will have copies of the letter from before and even then i'm doubtful they change the barring date.

 

dx