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Welcome Finance (MKDP) statute barred appears on Credit Score


incrediblesulk
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I'm sure I saw it on here but can't find it.

 

My partner had a letter from Welcome Finance (MKDP) saying she owed over £4,0000.

 

 

It was statute barred which, with the help of the Ombudsman, they eventually agreed.

 

 

However, we just saw that the 'debt' appears on her Experian credit score! Is this legal?

 

We've just emailed the Ombudsman again to ask advice on how to get this b/s off of her credit score.

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Thread moved to the appropriate forum.

 

Regards

 

Andy

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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.

.

{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.

NOTE: {the bracketted text is not ICO guideline but my advise]

 

 

 

 

.................

 

 

might pay you to get an sar off to welcome

 

 

bet theres all manner of insurance and penalties to reclaim FOC to her pocket

 

 

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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a debt being SB'd does not mean its not collectable in E&W

it still exists

they can ask for payment

you can ask them to go away

 

don't confuse defaulted date with SB date

they are not linked.

 

 

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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