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BurnCK

MyJar - Late payments instead of defaults

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Hi,

 

I have a MyJar payday loan showing on my credit file from the start of 2014. I defaulted on this a couple of months after taking out the loan but on my credit file I only have late payments registered, no default.

 

My question is, will this drop off my file after 6yrs as normal or can they just continue to register late payments? I haven't paid off the account, nor have I had any correspondence.

I'm currently in the process of repairing my credit and my score has been gradually been going up over the past few months as various defaults / closed accounts have dropped off and this is one of the last accounts that is in arrears.

 

Thanks

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did you have a shot credit file and lots of defaults on other credit when you took this out?

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes, had a CCJ at the time and a few defaults. I haven't done an IRL claim yet but intend to.

Wondering why they are registering late payments still after all this time though...no defaults.

Edited by BurnCK

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then fire off an IRL complaint

should remove everything and might well get you a refund.

 

same with any other PDL's that fit the same criteria you had

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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