Thanks for any advice I receive in advance.
If I am honest I haven't really cared about my credit file until recently and am just looking for some advice after signing up. I was in a stupid financial position a few years back, i was a fairly typical teenager who didn't care about debt etc but fortunately I have grown up and am looking to improve this.
I have three defaults on my credit file, from February 2014, June 2014 and May 2015.
My question is about what happens when these are removed. I understand that the defaults are removed after 6 years?
But let's take the February 2014 one as an example. In a couple of months time the 6 years will be up on this. At the moment on my credit file it has a default for every single month since that date. In February, does the whole thing get removed or just the first "little red default". So will it actually take 6 years for all these defaults to come off or does the whole debt get removed?
Let them pay for their own Xmas party! OK, so from what I believe, it's statue barred (as it's most likely almost 7 years since my last payment), I don't even know how much what was paid it was that long ago, but certainly 6+years ago.
Should I send them a Statue barred letter/email, as I received this today:
PENDING LEGAL ACTION
We have not received payment of the overdue balance and you have not made use of our online customer portal to set up a suitable and affordable payment arrangement.
Our client has authorised us to progress this matter to our Solicitors to commence the legal action against you via the County Court, therefore please contact us to discuss this matter so we can reach an appropriate resolution.
the information and actions taken already in this and all the relevant threads is so disjointed and sadly mostly wrong because the OP cant be asked to follow the advice already given that I doubt even the court know what actually happened
its unusual for OC's to chase statute barred debts lets put it that way
theres nothing to say they haven't a clue CRS are doing this
it could well be CRS are after free money for their xmas party drinks and think that by sending people out a few free emails
some mug might know no better and donate to them.