Hi, have you got an update about Hitachi, Im in the same position were they wont default my account but they haven't sold it on yet.

I would like some advice please. I am self managing my debts due to reduced income caused by marriage separation. I am wanting to apply for a remortgage and have been told to wait until September which is when defaulted accounts will be 6 months old. One of the debts has refused to default the account. I have paid them reduced payments from July/August 2019 but stopped paying them from February 2020 to see if they would default account. The account on 3 CRA’s is marked as disputed, delinquent & unknown. Can anyone advise what I should do? Should I hope they will default account but then wait 6 months after before applying for mortgage or start snowballing account? I have put a complaint into the FOS due to non-default of account. Any advice would be great!

I did, I sent a copy of both letters - thanks

I have wrote to the chap who's name was on the bottom of the first letter stating they wouldn't be persuing, asking him what is happening. Thanks for your reply.

I received a letter from shop direct to say they will not be persuing the money owed on the account (they couldn't provide signed credit aggreement). The day after I received a letter from the same address saying they want me to pay the full amount by May! Don't know what's going on, has this happened to anyone else?