the debt would have been defaulted years ago and removed from credit fileson the defaults 6th birthday
never to return..
an SAR to halifax
read all the post there carefully
unless you already have a copy or record of the old defaulted date.
Please can someone advise me with regards to Statute Barred Debts?
I have a statute batted debt with the Halifax that my last communication or payment with them was at least 15yrs ago., possibly 20yrs.
i was surprised to see yesterday that Credit Karma alerted me to a new item on my file and when I checked it said over use of available credit because Halifax have just added this to my Credit File. They have added the credit card saying a £5100 balance owed with a credit available on the account as £0 so they haven’t even listed it as a default or anything.
Does anyone know if they are allowed to do this and if they are not then how I go about getting this removed from my credit file. My understanding was if it is Statute Barred then legally you can not be chased for this so to put it on to my credit file now will obviously affect my rating however this is from at least 15 maybe 20 years ago!
i very much appreciate anyone who can point me in the right direction and thanks in advance for your time and help.
I have to disagree that a Tenant is responsible for the replacement of anything within the Toilet Cistern whether it be the ball cock of the entire internal valve this is the Landlords/Housing Associations responsibility responsibility to repair and never the tenants.
Housing Association like to try and pull a fast one with things like this but it is their responsibility to repair so simply contact them and report it as a repair as you would with any other repair.
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