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zander in Scotland v A&L *WON* they want to close account?


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lt remains on file for six years regardless of whether or not a debt is statute barred? This, despite statute of limitations stating that the debt never existed? Any advice?

 

The debt did exist when the default was placed so would stay on your file for the 6 year period, after the 5 year period of no acknowledgement or payment towards the debt, it then no longer exists.

 
 

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Any chance you can scan and post the letter up for us to have a peek ?

 

Follow the instructions below for hassle free uploading :)

 

 

 

However, I think what they are saying is that from the original default date - updating will take place for 6 years. But on the 6th anniversary of the default first being added then it will fall off.

 

So when did the original creditor first add the default marker to your credit files. If the debt is statute barred, then I imagine it doesn't have long to go before that is history :)

 

I'm unsure of the date they added a default as I don't ever recall receiving a notice of default?

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cra file

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Agree with DX. Your CRA file will list the last recorded date of payment.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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This topic was closed on 03/07/19.

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