Your debt agency the telephone company sold this to keep giving me provides but I believe We haven’t gotten such a thing for the past six months.

Your debt agency the telephone company sold this to keep giving me provides but I believe We haven’t gotten such a thing for the past six months.

Should this come my credit file off anytime soon ?

Sara (Debt Camel) says

Defaults drop your credit record off 6 years following the standard date in the credit score.

But needless to say your debt collector may choose head to court for a CCJ, which will then be in your credit score for the next 6 years. You a good offer to settle, accepting it might be a good idea if they make.

We don’t concur because they had closed the account and sold it to a debt agency that I owe the bill stated from the phone company and when I did reach out to them, they couldn’t give any further information.

Off my case, would this still not remain for another 6 years if I settle to get them ?

Sara (Financial Obligation Camel) says

perhaps you have taken the grievance into the relevant Ombudsman?

I’ve a learning pupil loan financial obligation from 1997 that has been sold to a DCA around 2015. We have actuallyn’t made a re re payment or acknowledged your debt since early ’00s, nevertheless the DCA slapped a standard on in 2017 and state that the reason for action’ started then. Does a debt need to be in default before an underlying cause of action starts?

Sara (Financial Obligation Camel) says

An old-style education loan debt – we suggest you speak with National Debtline on 0808 808 4000 about it.

I’m from Venezuela. Back 2014 we signed up for a post graduate system in England. In 7 june 2014 We made 1st and payment that is only my tuition charges. To pay for the remainder I became looking forward to the goverment to accept my demand to exchnage venezuelan money into pounds (in Venezuela you’ll need goverment authorization to achieve this sorts of deal.) edited

Sara (Debt Camel) says

Hi Joeal, your two responses had been extremely complicated and long. You will need anyone to communicate with you concerning the information on your situations, that individual is certainly not me personally.

Hey! Thanks anyway.

I think I would simply inform the college about my present situation, with my manager placing my agreement on hold and every thing, to see when they can hold back until lockdown is lift here to resume conversation.

I’ve a classic financial obligation from 2010-2011 that I didn’t realize ended up being outstanding to virgin media. I recently signed up to credit references agency’s and this is where I realised this debt was outstanding as I am looking to buy a house. The quantity is small, however although payments could never be drawn in mid 2010 this financial obligation seemingly have never ever been defaulted. In order that it has remained to my credit file as a merchant account in arrears and payments that are missing date on a monthly basis until June 2020 (present). My real question is exactly exactly what recourse do We have with this, since clearly very nearly 10years later on this would perhaps maybe not nevertheless be being reported on my credit report and adversely impacting it? I am able to spend this quantity, nonetheless i would really like elimination of this from my credit history I was unaware of, and being almost 10 years old now surely should not still be recorded on my credit file, thought these issues usually only stay on the file for up to 6years as it is something.

Any information you can easily really provide would be valued.

Sara (Financial Obligation Camel) says

Have you continued making use of the Virgin account? If you don’t, whenever did you stop?

Please would you delete my surname and sorry for numerous articles.

We have a highly skilled financial obligation from 2010 that I became unacquainted with until not long ago i looked over my credit report because we have been wanting to get a home loan. The account in arrears just isn’t for many cash and I also have always been able to repay this whenever you want, nevertheless the contact that is last had regarding this financial obligation was at 2011 and I’ve had absolutely nothing since (we have actually moved house etc but e-mail has not changed) it seems this debt had been never ever defaulted and has now remained as a merchant account in arrears and missed re payments on a monthly basis since 2010, but I happened to be totally unaware. Do we have actually any recourse for coping with this, it is nearly ten years old it is nevertheless back at my credit account as lacking a repayment each month. Could you please ever advise, thanks plenty