Credit card debt, meeting CCJ payments- advise appreciated

[purpleleo]

I have two credit card debts,

one of which is the subject of a CCJ some 9 years ago.

 

I have been making payments in accordance with the CCJ and voluntary payments in respect of the other.

 

Both defaults are over 6 years old and no longer appear on my credit reports.

 

The DCA have offered to do a deal and accept less than is outstanding in full and final

BUT if I agree does this deal appear on my credit report (as of the date of the full and final payment for a lesser figure)

or, as the date of default is over 6 years ago,

will my credit history be unaffected if I choose to pay a lump sum in full and final?

Thank you.

[dx100uk]

once its gone its gone.

 

 

on the one without a CCJ

have you sent them a CCA request?

[purpleleo]

Thank you, so if I make a F&F payment, nothing further will appear?

the two debts are with the same original lender and the same DCA. And no,I didn't ask for a CCA, ive just been making voluntary payments.

[dx100uk]

theres not a lot you can do about the one with the ccj

shame you didn't contest it all those years ago.

 

 

it might pay you to send the original creditor an sar

and get all the statements.

if theres an F&F on offer then I bet more can be had by reclaiming from the OC

PPI?

 

 

then use that to offer the F&F.

I wouldn't be rushing into this

get all the info you can first.

but as said already

its not on your credit file

and no matter what you do

they cant return.

 

 

dx

[purpleleo]

Thanks for your help.im grateful