I had a credit card with I think Citibank, which I defaulted on due to not having a job.
This debt has been 'sold' to Cabot and this is on my credit file as an open account,
and they are reporting each month as default.
First question,
the debt default date was 07/06/2008, so I am presuming that this will drop off my credit file in July this year 2014?
As this will be 6 years from default and I have had no correspondence with Cabot about the debt or even acknowledged it.
Next question,
this debt has been passed on to Mackenzie Hall to chase and I go through phases where they call both my home phone and mobile.
Again I don't answer the calls, and have even blocked the numbers
but they are using a variety of numbers to call and text me.
When the debt disappears from my credit file,
does this then means it's statue barred?
If so are there letters/ advice someone can point me to about how to follow this up and get rid of it.
This is the last of my debts, that are showing on my credit file so I just want to be rid of it.
Thanks for the help in advance.