@experianexperts Coming up to 6 years. Will it be removed?

[tnoemis]

Hi people,I've been looking through the threads but not been able to find anything to answer my question fully so sorry if i've missed something.I had a loan with london scottish back in 2003 which I paid on a regular basis. I was then made redundant in 2006 and because I was with the company for less than a year I didnt get any kind of pay out from them. I had payment protection from LS but they told me I wasnt covered for redundancy, only death. I argued with them and they did nothing to help so I refused to pay them the final £358.I recently checked my credit file with experian and it shows that the London Scottish section was last updated on 09/07/2006 with 5 missed payments. It never defaulted or got to 8 missed payments and it's just sitting there in limbo with a balance of £358.My concern is that because the account was never settled, never defaulted and hasnt been updated since July 2006, it will stay on my report and affect my credit rating for more than 6 years?LS went into administration in 2008 so I cant contact them and to be honest I dont know if I want to contact them in case they update my account with a default.The other thing I noticed is that I have an entry from a company called EVERYTHINGEVERYWHERE which I believe to be the company that owns t-mobile and orange. The account was opened in 2002 has a balance of £104 and shows every payment for the last 10 years being up to date. It says the account is satisfactory and I know that when I left them everything was paid. I dont understand why they're still updating my credit file when i left them about 8 years ago.Really hope you guys can give me some advice on this!Thanks in advance

[gdec1]

Hopefully come July, it should be taken off your credit report as a default only stays there for 6 years whether there is a balance on the account or not.