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unsecured loan not on my credit file


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Hello -

 

I took out an unsecured start up business loan back in 2019,

 

I was given 6 months payment holiday due to covid and the loan was transferred to another lender/company with around £15 K  outstanding in 2021.

 

I have been paying it off and i now have balance of around £1,200 remaining. 

 

What i have noticed is that the loan does not appear on my credit file and i have checked with the lender and they confirmed that it has not been passed on or reported to any credit agencies as the loan was transferred from a different lender with no agreements signed with the new company. 

 

I did ask for another payment holiday and was refused

 

my question is

 

can I reduce the monthly payments or take another 2 to 3 months payment holidays since the loan is not reflected on my credit file and wont effect my score or missed payments?

 

Thank you. 

 

 

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nothing to stop them registering it in their own name.

 

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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