Reomoval of defaults from Credit history

[cassimarc]

I have three defaults that are coming up for 6 yrs old ( 2 this month, 1 on Oct)

 

On my credit history from noddle

they show as default every month from then till now,

with the balance decreasing until 2011 when I saw the ligh

t / snapped and refused to pay anymore.

 

Do those defaults automatically disapear after 6 yrs, or do I have to request Noddle to remove them ?

 

There has been a flurry of activity on one this week

when after being stayed for almost 2 yrs

I've recieved a letter from Apex notifying that the debt has been transfered to them.

 

As the account is in dispute ( if got as far as Weighmans going to a County Court and then offerening no evidence)

I presume that they shoudn't have been sold this "Debt"?

 

Thanks in advance for any answers and thanks for the advice I have spent the last X yrs absorbing.

[dx100uk]

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.

.

the WHOLE ACCOUNT WILL VANISH, never to return.

.

however, this does not mean the debt itself is not still owed

consider a CCA request.

.

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.

[cassimarc]

Thanks for the reply.

 

As regards the CCA , I'm going to wait a while first.

 

Apex have sent me a threatogram with an adittional middle initial , so that's not me.

Once they have corrected that , I'm going to cry foul that they are now just making things up to make them fit.

Once they have dug themselves out of that I'm going to start with "prove it" ( doubt it the card was taken out in 1983)

If they can manage that I'll point out that the account has already been to court and been stayed.

 

Once the bonecrushing weight of worry has gone and the fight back started ( I did in 2011) everthing gets a lot clearer.