Paid £28k next steps

[dx100uk]

statute barred

 

dx

 

[Halfwaythere]

Oh I don’t have any statue barred or any that will be 

[dx100uk]

but thats how long it will show from settlement payment on your file if you make one

or 

if you leave as is..same result but far cheaper....

 

dx

 

[Halfwaythere]

Yes if defaulted but my non defaulted ones sit there

[dx100uk]

defaulted debts vanish from your file regardless to payment on the registered defaulted dates 6th birthday

 

NON defaulted debts will sit on your file for 6yrs yrs from last payment - i e the debt becomes statute barred,-  but that does not automatically guarantee they will be removed.

[Halfwaythere]

Ah but if I didn’t pay PRA group could they default me?

[dx100uk]

hopefully

[Halfwaythere]

Hmm so they can and you think i should go that route? I just thought DCAs couldn’t default 

[dx100uk]

legally they can't and that usually a bonus

but in your case, whomever registers a default is a good thing.

[dx100uk]

more than a year and +100 posts in...you finally get it....

[Halfwaythere]

I am still far from getting it and it’s defiantly not been a year. I am much better with black and white than ambiguous, it’s hard when you don’t have a clue! I appreciate your patience, it’s needed 

[dx100uk]

sorry yes its the strange way this site labels its date...

[Will Goodfellow]

On 06/08/2020 at 13:06, dx100uk said:

AP or Arrangement or DMP will appear in the debt summary line, that prospective lenders can see if they undertake a credit worthiness search, from the day you make the arrangement - till 6 yrs after the last AP payment. that can be for more than 6yrs.

 

Yes, but that's not what you originally stated, you said, "AP markers don't go away for 12yrs" which is completely different to your statement above.

[dx100uk]

Well it is 12yrs ...

 

That is the worst scenario if someone is in an arrangement for 6yrs or more that results in AP markers.. 6yrs of AP + 6 years more of AP showing even after settlement.