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Hi

 

Just a little advice please, or a lot of advice, any advice in fact is of course appreciated and I thank you in advance.

 

I'm clueless;

 

I have a loan with FLM which is now Amigo,

the last time I made a payment was Oct 2011,

the last time I contacted them was Feb 2012.

 

This was a guarantor loan,

the guarantor has never paid or contacted them at all regarding the debt.

 

The account is still active on credit file,

there is no default and it shows as 6 payments missed despite there being 73 missed payments inc Jan 2017.

 

Is this statute barred,

should it say defaulted,

will this continue to be open and active on credit file?

 

Should I contact them and offer them a reduced final amount in exchange for the account being closed and settled or.....??

 

I have recently returned to work and I am beginning to finally get all my affairs in order and it's a bigger minefield than I thought.....

 

I have a few other debts that show as having default dates in Jan 2012 and Feb 2012,

do these debts stay on my file,

do they affect my credit score and if they do what should I do about these?

 

Cheers

 

Jac

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although the statute barring is 5yrs in Scotland

and that means the debt is extinguished- does not exist full stop

 

 

credit files hold data for 6yrs

 

 

dx


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I have a few other debts that show as having default dates in Jan 2012 and Feb 2012,

do these debts stay on my file,

do they affect my credit score and if they do what should I do about these?

 

 

Hi,

 

Yes these debts will stay on your credit file for 6 years from the default date, they will have a very negative effect on your credit score.

If the defaults have been placed correctly on your file there is very little you can do about it.


 
 

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