default dates

[dx100uk]

Hopefully yes

[cuchiandme]

many thanks

is it still possible these intrum people can issue a claim form.. at this late date?

[dx100uk]

there are no rules for dca's

750'000 speculative claimform are issued every year

[cuchiandme]

thanks, hope i'm not missing something here but..on halifax account , it says settled... but has a default date for november 2012,,, i copy this i found on the net...

What does ‘settled’ mean on your credit report?

 

‘Settled’ means that you’ve paid your debt without default. When you miss several payments consecutively, or sometimes intermittently during the course of a loan term, for example, the lender may add a default marker to your credit report.

 

i would like to know does this mean this was paid?

one issue on my file is due to fall off tomorrow.. as defaulted 27 june 2012.. i will be interested to see if this does happen.

[dx100uk]

Already explained in post 49:madgrin:

[cuchiandme]

ok sorry about that... only, when i read that extract online.. it became confusing:oops:

[dx100uk]

Well stop reading elsewhere!!

 

If you have a question

Re read your thread first

As like your others

You appear to simply ask the same q's youve already asked using different words

[cuchiandme]

yes so sorry about that..

.i do suffer ocd and what happens is i can easily get confused , because i can not retain info. very long.

 

i just now signed up to check my file for the free 30 day thing.

.seemingly , that halifax account is still active under previous address.

.apparently this can be detrimental as it can look like fraud.. to a prospective lender.

 

.would it do any harm for me to call the local halifax to ask about this?

also the defaulted account of 27.06.12 has not yet fallen off my report..

 

i read it can take a further 28 days administration.. is this correct?

Edited June 27, 2018 by dx100uk
spacing

[dx100uk]

no its not fraud

simply that you failed to update your creditors when you moved

which is rather silly

hope all your other account esp those in debt show the correct address else you are in danger of backdoor CCJ's

 

i'd be telling Halifax and any others your correct address even if the defaulted date is now spent esp if the debt is listed under a dca name!

 

its can take several weeks for credit files to be updated as advised before when the default reaches its 6th birthday

[cuchiandme]

thanks as mentioned before one halifax account satisfied, but that will only mean a dca has bought it...its due to fall off on 7.11.18.

 

.the other states up to date.

.yet i only remember having one account with them.

 

.i have not thought of halifax in years.

.used any account with them.

 

.i intend to call them to establish if that account is still active under my old address

..can this affect my cred rating?...

 

i mean can they default me from now.. if i come to their attention?

 

and good news about account due to drop off today

...i called equifax and the guy took it off.

[dx100uk]

it needs to be registered at your current address get Halifax to update the address

if it is not defaulted and not in debit then it will not be hurting your score...

[cuchiandme]

ok..

here goes.

.slightly off on tangent..

not sure if this should be under a separate thread..

 

i now only have 2 default marks on my equifax file..one is due to go on 23 this month.. other 7 November..

 

i am getting calls from this pra group dca..

.which doesn't bother me in itself...

as is only automated message

 

..they are associated with the default of 23 july.

.now, i am given to wondering if they would attempt a court claim at this late stage

..thereby losing me the statute barred protection.

 

.it occurred to me,

if i wrote them a prove it now.

..they would be caught up in that and not have time to prepare claim.

..of course they could already have begun the procedure..

 

Also

..i have won several times in the court against such people.

. as is documented here

 

..does a court win mean that a default recorded on a credit file is automatically removed?

or would i still wait the 6 year mark?

 

Another query

Equifax, removed defaults recently..

immediately upon me calling them and saying this default is now 6 years old today..

.. but checkmyfile refuse to do this and are saying it can be another 28 days for administration.

.. which seems ridiculous....

have i any right here?

 

any help on these subjects much appreciated.

Edited July 14, 2018 by Andyorch
Paras

[Old Cogger]

28 days next report is the norm on published reports, its going off in 28 days next combined report?

[cuchiandme]

yes, they said when it's next updated, which is rather frustrating... to have conflicting reports.

[Old Cogger]

it going that is the main thing

[cuchiandme]

yes, which is rather disconcerting to have conflicting credit files.... they will only amend it at their next updating period

[cuchiandme]

Any chance of answers to the rest of my query?

[AndyOrch]

A court " win " as you describe it does not remove the default markers...there is no connection of action.

 

If it takes 28 days...then its 28 days.

 

 

Andy

[dx100uk]

ok..

here goes.

.slightly off on tangent..

not sure if this should be under a separate thread..

 

i now only have 2 default marks on my equifax file..one is due to go on 23 this month.. other 7 November..

 

i am getting calls from this pra group dca..

.which doesn't bother me in itself...

as is only automated message

 

..they are associated with the default of 23 july.

.now, i am given to wondering if they would attempt a court claim at this late stage

..thereby losing me the statute barred protection.

 

.it occurred to me,

if i wrote them a prove it now.

..they would be caught up in that and not have time to prepare claim.

..of course they could already have begun the procedure..NO they've gotto abide by the Pre Action Protocol first that's another +30days for you to answer before rhey can

Also

..i have won several times in the court against such people.

. as is documented here

 

..does a court win mean that a default recorded on a credit file is automatically removed?

or would i still wait the 6 year mark?

 

Another query

Equifax, removed defaults recently..

immediately upon me calling them and saying this default is now 6 years old today..

.. but checkmyfile refuse to do this and are saying it can be another 28 days for administration.

.. which seems ridiculous....

have i any right here?

 

any help on these subjects much appreciated.

 

 

andy has answered the other one

[cuchiandme]

thanks everyone.

[cuchiandme]

anyone tell me difference with default date and delinquent date?

 

does delinquent date ..mean the bad account can be removed sooner?

 

in reference to credit file

[dx100uk]

Stop clutching at straws

[fkofilee]

I was about to say that... 6 years from date of default...

Delinquent vs default are the same thing... Just worded differently per CRA...

[cuchiandme]

its just that i found delinquent date of may,(2012) on a credit report i must have asked for years ago.. on paper..but default date of november 2012, naturally i would prefer that off my file sooner..

[fkofilee]

It will go Nov 2018