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Advice on non-defaulted account please :)


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I would like some advice please.

 

I am self managing my debts due to reduced income caused by marriage separation.

I am wanting to apply for a remortgage and have been told to wait until September which is when defaulted accounts will be 6 months old.

 

One of the debts has refused to default the account.

I have paid them reduced payments from July/August 2019 but stopped paying them from February 2020 to see if they would default account.

The account on 3 CRA’s is marked as disputed, delinquent & unknown.

 

Can anyone advise what I should do?

Should I hope they will default account but then wait 6 months after before applying for mortgage or start snowballing account?

 

I have put a complaint into the FOS due to non-default of account.

 

Any advice would be great!

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where's the idea 6mts defaulted to await remortage come from?

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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henny please reply  here to this post answering the above question.

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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