Little help please with a credit file question

[Spur Man]

A big hello to you all

 

I have a question I hope someone can answer for me,

 

my OH and I have a number of credit card accounts

that were defaulted at the latter part of 2008 to the beginning of 2009,

 

 

some of the accounts we made token payments of £1.00 and only stopped them about the middle of 2014

 

they are not Statute Barred.

 

 

If once the account has been removed from our credit file

and then an original creditor or DCA was to take one of us to court to try and get a CCJ against one of us,

would the CCJ show on our credit file.

 

Hope this makes sense, we are just curious how it works.

 

Many thanks

 

Spur Man

[Conniff]

Unfortunately the answer is yes, it will show unless you can pay it off within 28 days.

[Spur Man]

Thank you so much Connif for your quick response.

 

Many thanks

 

Spur Man

[dx100uk]

list and tell us about the debts...

 

 

have you sent everyone a CCA request..esp the DCA's you have been paying.

 

 

dx

[National Debtline]

Unfortunately the answer is yes, it will show unless you can pay it off within 28 days.

 

***Pedant alert***

 

Strictly speaking, the deadline is one calendar month.

 

By all means, though, pay it off by the 28th day to be on the safe side

 

Dennis

@natdebtline

[Conniff]

***Pedant alert***

 

 

I know of no other type of month except a calendar one ??

Edited November 4, 2014 by Conniff