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Were you in default? How long ago was this please?
The defaults were issued 1) 20.1.2008 and 2) 31.3.2008
Ok - so are they still showing on the credit file?
Both defaults and reference to the debts have been removed from my credit file
They should not as they are only on for 6 years?
But if you have actually defaulted and the data is accurate, regardless of whether the fact you have been paying, then yes they are accurate.
This is because if you have defaulted, the data is true.
But in any event they can only put the default date and after 6 years it comes off your credit file.
If you have NOT paid within 6 years then the debts are statue barred.
If you have been making payments then the 6 year clock starts ticking from when you made the last payment.
So if it was 2 years ago then you have another 4 years to run
If you made a payment last month then sadly its 6 years
I am sorry if this is not the answer you want and certainly not the one I want to give you but I have a duty to be honest
Can I clarify anything for you about this today please?
The defaults came about due to ill health...... so I have been making monthly payments for six years. My last payment was made this month. As I have said originally, there is still an outstanding balance - so.......are you saying........... I must continue to pay the credit agency until the balances are nil???
Because the clock gets RESET when you make a payment
I am sorry
Thanks for your help.
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