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Rent arrears and CCJ - nothing on credit file


towaud1
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I'm new here today but would appreciate some advice as I can't seem to find the answer anywhere.

 

I have recently checked my credit report after years of burying my head in the sand.

 

To cut a long story short,

I racked up some debts when I was a student,

and have gradually paid these off

- each one at a time.

 

Received a CCJ for an old credit card but this now satisfied.

 

The one LAST debt I have is for rent arrears from private student accommodation in 2008 (last payment made January 2009 approx),

with about £2,000+ owed.

 

I am willing to pay this debt in monthly installments like I have the others,

although the repayments will be small as I cannot afford to pay back the amount in full.

 

I have had NO contact with the company since (5 approx years).

 

Question is,

as this is NOT a credit agreement (it was a short-hold tenancy),

there are no defaults or CCJ on my credit file.

 

I presume there is no CCJ registered but have been reading online that CCJs are not automatically registered on credit files for rent

unless specifically requested by the landlord.

 

So, I have NO idea where I stand with this debt and what action has been taken, if anything. A

 

s I moved back to my parents shortly after vacating the property (I was in my final year of study),

nothing has caught up with me (yet), and what I mean by that is no letters, calls etc.

 

SO, should I make an attempt to contact the private company

(which has since gone into administration according to online),

and try and set up a formal payment arrangement for X pounds per month.

Or just leave things be, and hope that nothing will be done until next January time which will mark six years

since anything was last acknowledged (statue of limitations? Even though nothing on credit file?).

 

I don't know if that's even possible with rent arrears

and I can't find any legal guidance on this topic anywhere online.

 

Don't want to be in a position later down the line where enforcement action is taken on a possible CCJ

that I am completely unaware of and is registered SOMEWHERE but nowhere where I can see.

 

Would appreciate ANY help if possible.

 

Thanks in advance. :|:|

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are all your old addresses showing as linked on your cra file?

 

and

I hope you sent a CCA request to each of your creditors before you paid your other debts off?

 

 

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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