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Bank of Scotland - Old Charge For Payment Of Money (2008)

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I'm in Scotland, I suppose I should get that part out of the way.

 

I had a BoS credit card (opened the account in 2001), which had a balance of £ 8,246.

I was no longer able to pay the monthly bill (due to loss of my job because of long-term ill-health) and, stupidly, stuck my head in the sand. (I should also point out that over and above this credit card I had been, and continue to be, a Bank Of Scotland customer, with both a saving account (that's a joke lol) and a current account.

 

The default date was June 2007, and a decree was granted at the local Sheriff Court on 8th January 2008, and the Decree was extracted on 23rd January 2008. Again I ignored that, along with the subsequent 'Charge For Payment Of Money' (left at my address by Sheriff Officers on 2nd July 2008).

 

In the past couple of years I've been VERY slowly trying to sort out my credit file and have made some progress (some other credit agreements have dropped off my credit file and others have been time-barred and removed). This BoS debt is the only biggie I have left hanging over me but I'm not sure how to proceed.

 

Should I just hold tight until after the 6 year anniversary of my default date (which is now only 8 months away) and it drops off my credit report? Or will that not happen because of the legal stuff connected to this old credit card debt?

 

Another slight concern is that, since that time, after my marriage broke up and I had subsequently moved house to live on my own (hence being able to work on my credit file without external interference lol), I was able to open my own individual cardcash account. This was the only bank account available to me at the time because of my poor credit history, but after a year of maintaining the account in good order, I was offered a full current account. I still have both these accounts and have had no problems with them and have even had the occasional overdraft facility in the past.

 

So......are BoS likely to make a move on my current account because of this old credit card debt?

 

I guess the gist of this verrrry long, rambling story is....will the credit agreement details be removed from my credit file after the 6 year mark (regardless of the legal stuff) and can BoS make any claim on my existing accounts once this credit agreement drops off my credit file?

 

 

Phew! :oops:

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