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Hi

 

I have an flm/amigo loan that has not been acknowledged since 2012 - I believe this to be statute barred 

 

Does this get removed from my credit file.

 

The loan was taken out in 2011 by my partner but she put it in my name - neither of us could afford it - she would have been accepted as guarantor as she owned her own home however she didnt work and I was at uni. 

 

I have left this abusive relationship and am now getting round to sorting out my financial affairs. The loan is still active on my credit file - should it still be there - how do i get it removed.

 

Is it best to acknowledge this debt now and even though I was never the guarantor pay up?

 

thanks

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if you are resident in scotland and the debt taken out whilst resident in scotland

after 5yrs the debt is extinguished ...dead ...gone...parrot.

 

though it will show on credit file for 6yrs from the defaulted date.

 

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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should be a defaulted date in the debt summary.

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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Share on other sites

so shows as 6 every month from 2011?

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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Share on other sites

then you need to write to amigo and complain, under the ICO rules relevant and in force at the time they should have defaulted the debt within 3-6mts of the third missed payment not used 6 infinitum.

 

however an irresponsible lending complaint also needs raising

was your credit file shot with multiple defaults, loans outstanding etc with missed payments too?

 

 

 

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Lodge a formal complaint using their complaints process, IN WRITING.

 

You can also add a 'notice of correction' on your credit file if you wish informing any lenders that the entry is disputed.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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you might well find an IRL complaint sorts both your issues .

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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Share on other sites

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