Jump to content


ttboy1988

Default on credit history due student account

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2464 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

 

my student account which had an interest free overdraft facility, i didnt make any payments into the account for a about 6 - 8 months, now it has gone into debt collectors.

 

Will the account going to debt collectors cause a default on my credit history ?

 

my question is if paying off the amount with a final settlement amount show up on my credit history as an issue?

(The lady on the phone to debt collectors said if i pay off an early settlement with a reduced amount will show up on my credit history

 

Will a default give me any problems when i buy a house in the future? how long does it stay on the credit history.

 

any advice will be much appreciated

Share this post


Link to post
Share on other sites

Have you checked your credit file to see exactly what's been recorded?

 

Technically a default cannot be recorded unless they first send you a default notice which gives you a specific time to remedy. If the a/c is not remedied then the default can then be entered & that will remain for six years although if it's settled before then it will be recorded as such.

 

A word of warning, do not believe a word a DCA tells you, particularly on the telephone... they are full of bovine excrement and are only concerned in extracting money from you.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

oh dear

 

stay OFF THE PHONE

 

never ever phone aDCA

 

they LIE !!

 

they are NOT BAILIFFS!!

 

and have NO LEGAL POWERS!!

 

now who is/was this OD with?

 

and as they are offering a discount

 

there is something WRONG

 

prob you dont owe the money at all

if its all charges and you NEVER used it.

 

get that cra file please

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...