Old CAP One and rbs cc debts

[steve1963]

Hi All,

I'm not new here but also not a frequent flier, in the past the info and advice I have gained from this site has stood me in good stead...... so I'm back again, sorry.

 

I have 2 defaulted (delinquent) credit card debts on my file that I would like some advice on, apart from these my file is good with loans, mortgage and mobile phones all perfect.

 

The defaults are from a time shortly after a difficult period in my life, I'm now in a much more stable position and would like to get these errand debts at least under control.

 

I would like to point out I am not looking to avoid my obligations but I'd like the odds to be in my favour where ever possible.

 

The first is for approx £1800 to Cap 1, the default date is Aug 07.

 

I sent CCA request which was not satisfactory so I told them the account was in dispute and just turned my back,

since then I've lost count of the amount of DCAs the debts been through, all the usual supects.

It's now with Low ells. In light of the fact that next Aug the default date will be six years ago am I best to leave this well alone?

 

The second is to RBS and is at almost 5k, default date on this one is 2010.

I would actually be willing to start paying this off,

there are charges on the account but I wondered whether it was best to start clearing the debt first before sticking in a SAR.

 

Also if I start making payments on this will it's status on my credit file change and start looking favourable again?

 

I'd really welcome any advice on this matter as next year I'm looking to expand what has been a one man band working out of a single garage

and get proper premises and I'm guessing I'm going to need the banks help.

 

Many thanks in advance.

[dx100uk]

unless your can prove that the default were the result of unlawful PENALTY charges

 

you'll be hard pressed to do any good, even by offering to pay these debts.

 

even if 'settled'. the defaults as you know, stay for 6yrs.

 

dx

[steve1963]

Hi dx100uk, thanks for the quick reply.

So if I start paying the RBS one does it not start to show green status as opposed to the red 'd' on my file? This account hasn't been passed to any DCA yet as far as I'm aware.

[dx100uk]

yes it will but, it wont remove anything.

 

pers i'd sar them

unless you already have all the statements.

 

if this is an overdraft, prob 99% charges

 

dx

[steve1963]

The RBS one is a credit card, the limit was 4.8k and I'd started to get it down to near 4k it's now back up to 5k and that's all charges because I haven't had a valid card to spend with. This is more about getting me on the right track, so my thinking was that at least anyone who considers me for credit in the future will be able to see I am making the effort to get my affairs in order.

 

So stick an SAR in on RBS?

[dx100uk]

pers i would

 

as it a credit card

 

there is a very goood chance the markers might well be due to their charges

 

if they are

 

they must be removed.

 

see link 3 below

 

dx

[steve1963]

Thanks, will get the ball rolling tomorrow.