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I am trying to help a friend of mine find out when she can have a debt removed from her credit file.


Because the original debt was so long ago (card taken out early 2013) she's a bit vague on the details but is pretty sure it was an Aqua card and that she defaulted pretty quickly on the payments, moved soon after and never paid another payment.  She would get occasional emails but nothing aggressive or threatening with court etc so didn't engage with them.


In 2018 she noticed a default for the debt (£6k) was registered by Cabot and came up on her credit file.  My question is - should her 6 years start from when she actually defaulted on payments (2013) or when the debt management company registered it?  


If it's the former then is it worth her getting details of debt (which means engaging) and having it wiped from her record?  She has none of the original paperwork now and her credit report just shows the amount with absolutely no detail whatsoever.


Thanks in advance for any assistance you can give.

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Hi there and welcome to CAG


I would start by sending a SAR to Aqua or the Original creditor to get all the data details and find the true default date if it was recorded around 2013.Once you have this information then you can look at why it was or wasn't recorded with the credit agencies and why Cabot have recorded it 5 years later.


The default date should be recorded from when her first missed contractual payment date + 2/3 months +14 days.




Thread moved to  Data Protection and Default Issues Forum.

We could do with some help from you.



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If you want advice on your thread please PM me a link to your thread

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you might find reading this thread interesting and informative



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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Both VERY useful.  Thank you so much.  Will pass these on and if she has any other issues I'll get her to register with the site and give more details.



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