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Your debt agency the device business sold this to help keep delivering me provides but i really believe We haven’t gotten any such thing for the previous six months.

Should this come down my credit history any time in the future ?

Sara (Financial Obligation Camel) says

Defaults drop your credit record off 6 years following the standard date from the credit score.

But needless to say your debt collector may opt to head to court for a CCJ, which will then be on your own personal credit record for the next 6 years. When they prompt you to an excellent offer to be in, accepting it may be a beneficial concept.

We don’t concur because they had closed the account and sold it to a debt agency that I owe the bill stated from the phone company and when I did reach out to them, they couldn’t give any further information.

Off my case, would this still not remain for another 6 years if I settle to get them ?

Sara (Financial Obligation Camel) says

perhaps you have taken the grievance towards the appropriate Ombudsman?

We have education loan financial obligation from 1997 which was sold up to a DCA around 2015. We have actuallyn’t produced re re payment or acknowledged your debt since the’00s that are early however the DCA slapped a standard on in 2017 and state that the explanation for action’ started then. Does a financial obligation need to be in standard before an underlying cause of action starts?

Sara (Financial Obligation Camel) says

An student that is old-style debt – we suggest you speak with National Debtline on 0808 808 4000 about that.

I’m from Venezuela. Back 2014 we enrolled in a post graduate system in England. In 7 june 2014 We made the very first and payment that is only my tuition costs. To cover the others I happened to be awaiting the goverment to accept my demand to exchnage currency that is venezuelan pounds (in Venezuela you may need goverment authorization for this form of deal.) edited

Sara (Financial Obligation Camel) says

Hi Joeal, your two responses had been extremely long and complicated. You will need you to definitely communicate with you concerning the information on your instances, see your face is not me personally.

Hey! Thanks anyway.

I think I might simply tell the college about my present situation, with my company placing my agreement on hold and every thing, and find out when they can wait until lockdown is lift here to resume conversation.

I’ve a vintage debt from 2010-2011 that I didn’t realize had been outstanding to virgin news. I recently signed up to credit references agency’s and this is where I realised this debt was outstanding as I am looking to buy a house. The total amount is small, however although payments could never be drawn in mid 2010 this debt seemingly have never ever been defaulted. In order that it has remained on my credit file as a merchant account in arrears and lacking payments which date each month until June 2020 (present). My real question is exactly what recourse do i’ve with this, since clearly very nearly 10years later on this would perhaps perhaps maybe not nevertheless be being reported on my credit history and adversely impacting it? I could spend this quantity, nonetheless i would really like elimination of this from my credit score I was unaware of, and being almost 10 years old now surely should not still be recorded on my credit file, thought these issues usually only stay on the file for up to 6years as it is something.

Any information it is possible to really provide would be valued.

Sara (Financial Obligation Camel) says

Have you continued utilising the Virgin account? Or even, whenever did you stop?

Please might you delete my surname and sorry for numerous articles.

I’ve a highly skilled financial obligation from 2010 until I recently looked at my credit file because we are looking to get a mortgage that I was unaware of. The account in arrears isn’t for a number of cash and I also have always been in a position to repay this whenever you want, nevertheless the contact that is last had regarding this financial obligation was in 2011 and I’ve had absolutely absolutely nothing since (we have actually relocated house etc but e-mail has not changed) it seems this financial obligation ended up being never ever defaulted and it has remained as a merchant account in arrears and missed payments on a monthly basis since 2010, but I happened to be totally unaware. Do we have actually any recourse for coping with this, it is almost ten years old it is nevertheless back at my credit account as lacking a repayment each month. Could you please advise, many thanks ever a great deal