Your debt agency the telephone business offered this to help keep delivering me offers but we think We haven’t gotten such a thing for the previous half a year.

Should this come my credit file off any time soon ?

Sara (Financial Obligation Camel) says

Defaults drop your credit record off 6 years following the standard date from the personal credit record.

But of course your debt collector might choose to visit court for a CCJ, which may then be on the personal credit record for the next 6 years. When they allow you to a good offer to stay, accepting it may be a great idea.

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.

If We settle to obtain them off my case, would this nevertheless not stay for the next 6 years ?

Sara (Financial Obligation Camel) says

perhaps you have taken the grievance into the appropriate Ombudsman?

We have pupil loan debt from 1997 which was sold to a DCA around 2015. We haven’t produced re re payment or acknowledged your debt since the first ’00s, however the DCA slapped a standard on in 2017 and state that the explanation for action’ started then. Does a financial obligation guaranteed installment loans for bad credit have to be in standard before an underlying cause of action starts?

Sara (Financial Obligation Camel) says

An old-style education loan debt – we suggest you keep in touch with National Debtline on 0808 808 4000 about that.

I will be from Venezuela. Back in 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 costs. To cover the others I became looking forward to the goverment to accept my demand to exchnage venezuelan money into pounds (in Venezuela you may need goverment authorization for this variety of deal.) edited

Sara (Financial Obligation Camel) says

Hi Joeal, your two reviews had been really long and complicated. You will need you to definitely keep in touch with you about the information on your instances, see your face isn’t me personally.

Hey! Thanks anyway.

We believe I would simply inform the college about my situation that is current my company placing my agreement on hold and every thing, and view 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 had been outstanding to virgin news. 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 not be drawn in mid 2010 this financial obligation appears to have never ever been defaulted. So that it has remained back at my credit history as a merchant account in arrears and lacking payments which date on a monthly basis until June 2020 (present). My real question is what recourse do We have with this, because clearly very nearly 10years later on this would not nevertheless be being reported back at my credit report and adversely impacting it? I could spend this quantity, but 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 it is possible to 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 might you delete my surname and sorry for numerous articles.

I’ve a highly skilled financial obligation from 2010 until I recently looked at my credit file because we are looking to get a mortgage that I was unaware of. The account in arrears isn’t for many cash and I also have always been in a position to repay this anytime, though the final contact we had regarding this financial obligation was in 2011 and I’ve had nothing since (we have actually relocated house etc but e-mail has not changed) it seems this financial obligation ended up being never ever defaulted and has now remained as a free account in arrears and missed re payments on a monthly basis since 2010, but I happened to be entirely unaware. Do we have actually any recourse for working with this, it is very nearly ten years old but is nevertheless to my credit account as missing a repayment on a monthly basis. Is it possible to please ever advise, thanks plenty