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Default Notice Issues Over Six Years Ago and Debts Still Outstanding


mcb1975
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Between 2005-2007 I had around 10 default notices issued for debts totaling £58,000.

 

I am still paying these off on independently negotiated payment plans with each lender and/or their chosen representative.

 

As I am keen to look at the possibilities of a mortgage in the next year or so

, it would be good to know what all this means to my credit rating.

 

Are default notices removed six years after issue even if the debt is outstanding?

 

Would a personal credit report clearly show any outstanding defaults or ‘black marks’ against my name

or would it simply give me a ‘credit score’ which frankly is of little practical use.

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All references to a defaulted debt must be removed from your credit files after 6 years has passed from date of default,

whether paid off or not.

This is so that someone who continues paying something even after 6 years from default should not be at a disadvantage

to someone who pays nothing after default and ends up with a clean file after 6 years.

 

I hope you've CCA'd everyone you are paying

 

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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