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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

 


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Posted (edited)

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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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