6 year old debts still on credit file - HELP!

[straftat]

ive just checked my file with checkmyfile and i have no less that 4 old credit card debts with the default date over 6 years old on my file

 

one of them had dropped off my file in sept last year only to be put back on again as of today !!!

 

how do i remedy this as simply as possible?

is there a template?

do i write to the OC the DCA , the CRA or the Info Commisioner ?

 

any advice will be greatly appreciated

[reborn71]

Hi straftat,

 

Have you made any payments or acknowledged the debts to these creditors over the last six years?

[straftat]

No I haven't

 

Not a peanut

[247orbital]

Call the CRA and also send a strongly worded letter informing them if it is not removed ASAP you will be starting legal action for compensation.

[straftat]

Ok thanx, is there a template?

[postggj]

you can do an online complaint direct to the 3 cra

[sequenci]

Who is the creditor?

[straftat]

1) Aliance & Leicester / Hillesden

2) Capital One. / Lowell

3) Halifax. / Cabot

4) Cahoot. / Cabot

[straftat]

ive just filled in the laborious EQUIFAX online complaint form and before i clicked the submit button it says

 

"did you know...Credit Agreement information remains on your Credit Report for a period of six years from the date that the account was settled, written off or defaulted, whichever occurs first. Active accounts will remain on your Credit Report indefinitely.

 

Credit Agreements are stored and updated as supplied to us by the Lenders and as such can only be amended by receiving written instructions to do so from the Lender to Equifax."

 

not exactly helpful then

[straftat]

so according to equifax its not when youve last acknowledged it or made a payment

 

its when "the account was settled, written off or defaulted"

[SarahJW]

I can second that from Equifax - I have seen the same statement

[SarahJW]

Can you tell us when you got defaulted on the accounts?

[sequenci]

its when "the account was settled, written off or defaulted"

 

Remember that a dca can only get involved once the original agreement has been defaulted. Thus, they have no legal right to place their own defaults on the file.

[straftat]

Default details as follows...

 

1)A&L Jan 2004 (last payment was 6 months before that)

2)Lowel Feb 2004 (last payment oct 2003)

3)cahoot. March 2005 (last payment Oct 2003!!)

4)Halifax - feb 2004 (last payment august 2003)

 

the last payments are clear from CRA's own credit report

 

just because an OC might wait 2 years to default me then the CRA's think that's the start of the 6 years?

[247orbital]

I a dealing with a default from Barclaycard on one credit file, then two from HFO on the other two CRA's all with differing default dates. Theres is as much as 15 months difference.

I was under the impression that only the original creditor in this case Barclaycard can default?