Credit file default

[sequenci]

Any monies paid after a debt are treated as gifted and are not recoverable.

 

In Scotland there may be an arguement to have the payments returned as the debt is extinguished and therefore doesn't exist anymore.

[BRIGADIER2JCS]

In Scotland there may be an arguement to have the payments returned as the debt is extinguished and therefore doesn't exist anymore.

Looking into this, not found any positive info yet.

[markstone]

Thanks for your comments guys.

 

I would not have contacted the DCA at all, as I was aware of the 5 year SB rule,

 

but unfortunatley, the DCA had recorded an incorrect date for the default which would have meant me waiting

an extra year and a half for the default to fall off, if I had just left it.

 

The other thing, was,

as this is the only negative thing on my credit file and wanted to apply for a mortgage this year,

rather than wait till next year when the default falls off,

I thought I would give bargaining with the DCA for a F&F offer to include them removing the default a go,

 

but they have turned my offer down since,

 

so I am going to do my best to avoid them for the five years,

 

and then hit them with the SB

[BRIGADIER2JCS]

OK did you not challenge the default date, if you didn't it can be challenged and rectified.!!

[markstone]

Yes I did challenge it, and managed to get them to rectify it

[stu997]

Can I just ask a question about defaults.

 

When they are removed after 6 years, regardless of being settled or not, can a potential lender still see them when they credit check you.

 

I have been told they can, which makes the whole thing a bit pointless!!

 

Many thanks

[BRIGADIER2JCS]

NO once the entry reaches the 6th anniversary of the default date it is totally removed no on can see it.

Whoever told you that does not know what they are talking about or is winding you up!

[dx100uk]

the whole account will vanish on the defaults 6th birthday

never to return

never to be seen.

 

dx

[stu997]

NO once the entry reaches the 6th anniversary of the default date it is totally removed no on can see it.

Whoever told you that does not know what they are talking about or is winding you up!

 

That was a finance manager at a car dealer that told me.

I have a default due to drop off in 12 days and was asking about finance with him to establish my possiblity of acceptance