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jimwilson

Lowell debt for Barclays on credit file, partial clearance or do not pay?

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Hi,

 

I have a debt of £500 accumulated in 2007 for an overdraft.

 

I have offered Full and final settlement and after turning down my offer of £300 i started reducing the offers,

then they agreed to £300.

 

I have checked my credit file and it is in default not on credit expert but on equivalent.

 

I sent a CPUTR2008 off to them and they came back with some account details that looked like my old account.

 

The file says last updated in 2008 but the default started in October 2007.

What is my position now?

 

If I don't pay will the record be removed this year?

 

If I do pay then they will only show partial payment and this will be on my credit file for another 6 years.

 

Help!

Thanks

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regardless to status or payment

 

all defaulted debts drop off on the defaults 6th birthday

 

dx


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So if I do nothing this debt will become stature barred in October?

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nope prob already sb'ed [YOUR last financial transaction in/out]

typically upto 6ts before a default is issued

 

there is little reationship between SB date and default date.

 

dx


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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