Debt still on file 7 years later.

[chickensarmpit]

I have a couple of old debts still on my file 7 years after the default date.

I'm still being hounded by Lowell for these old debts which were catalogues and a store card.

 

I thought these were removed after 6 years?

I understand that it sounds like i'm trying to get out of these debts

but if i could afford them i would pay them.

 

Should i offer a couple of pound per week or continue to bury my head in the sand?

I'm frightened that they're going to turn up at my house like they keep threatening to do.

 

Also i had a pay monthly sim that i paid out of my bank.

The guy who served me at the shop said it didn't come with a contract

and if i wanted to cancel it to just cease paying the up front bill.

Which is what i did when i didn't need it any more.

I've just noticed that that's on my file too

Thank you for your time.

[renegadeimp]

What are the markers on each record? Is it something like arrangement to pay, or a default? The latter may stay as its an accurate record of account. Defaults should be removed 6 years after they are entered.

 

If you are unsure, give the Credit agency a ring or email and ask them.

 

Also, can you give us some details on your debts, the DCA (lowells is well known for it) might be trying to bluff you.

[chickensarmpit]

It just says defaulted in 2007 which was the last date i made any payment to the catalogue. Lowell constantly send me letters, call me and they've started emailing me too. I have no idea how they have my email address.

[chickensarmpit]

It also says date updated 12,12,14?

My file is full of searches by Lowells. I wish they would sod off.

[dx100uk]

if the defaulted date in a debts summary says a date more than 6yrs ago

complain to the CRA provider

it should not be showing after 6yrs

 

 

does mean the debt is not still owed mind

unless you def haven't paid anything to anyone

- then it might Statute barred also.

 

 

dx

[chickensarmpit]

I haven't paid a penny nor have i agreed to pay anything either.

So do debts normally automatically come off your credit record after 6 years?

 

 

I have one that's saying settled.

 

 

That's from 2007 too and i didn't pay a penny to that either.

 

Thank you for your reply's too.

[dx100uk]

on the defaults 6th birthday

 

 

if theres no default

 

 

then its debateable when they vanish.

 

 

dx

[chickensarmpit]

Thank you for your reply. I'm going to ring experian and see what they say.

[yesilgozlerim]

Please keep us updated. My default with Lowell is 5th Jan 2009, so due to drop off in a week or so. However i made a full and final settlement offer in 2011, and up to now, my credit file says Satisfied so im scared.

[dx100uk]

Please keep us updated. My default with Lowell is 5th Jan 2009, so due to drop off in a week or so. However i made a full and final settlement offer in 2011, and up to now, my credit file says Satisfied so im scared.

 

 

 

scared of what?

 

 

dx

[yesilgozlerim]

Scared of them coming after me for about another 237 quid even though they took 250 as full and final settlement. default is due to come off my experian and noddle on 5th january, but for some reason equifax is ,march or april grrr

[renegadeimp]

Did they confirm the full settlement in writing? In any case, the debt will be removed after 6 years from date of default regardless if it is paid or not.

[dx100uk]

have you your own thread running ?

 

 

dx

[yesilgozlerim]

no not got own thread. should be fine. f+f was confirmed by email i think.

[renegadeimp]

Can you remember the exact wording?

[chickensarmpit]

Just looked on my credit file and a debt says satisfied on it. What does that even mean?

[renegadeimp]

Means its fully paid. Although depending on the wording of the F&F you agreed, they could still sell on any remainder.

[chickensarmpit]

Thank you for your reply. My debts are only small but having them over my head is frightening. I have nobody else to blame but myself I guess.

[dx100uk]

will also show as satisfied if its been sold on by the OC

 

 

until a debt buyer buys it from the phishing list

then it will be back again

 

 

dx

[chickensarmpit]

Even if it should come off my file this year? Will it be on my file for another 6 years?

[dx100uk]

is the debt defaulted

if the answer is YES

 

 

then on the defaults 6th birthday IT WILL VANISH

never to return

regardless to if paid or not

 

 

though that does not mean the debt is no owed mind.

 

 

dx

[chickensarmpit]

I defaulted on my aqua credit card last year. It was on my credit file but it's now been removed. My credit score had gone up. Will it be added again by a debt collector?

[dx100uk]

what was the defaulted date in the debt summary

not the updated default date?

 

 

dx

[chickensarmpit]

29-08-2013.

 

Thank you

[dx100uk]

It just says defaulted in 2007 which was the last date i made any payment to the catalogue. Lowell constantly send me letters, call me and they've started emailing me too. I have no idea how they have my email address.

 

post 3 this was

 

 

so what do you mean by defaulted comment here?

 

 

dx