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It's about nine years since we had problems paying our debts - first we had a dmp and paid through them and then in 2012 July we joined here and doing the UE route .
My question is this and i think i asked it before but not the same way lo.
If our debts are now UE but not yet SB do the dca keep updating our credit files with none payment - or do all debts paid or unpaid fall off credit files after 6 years ? As its been 9 years since we had dmp and on here with UE will they have fallen off our files ?.
The reason I'm asking is that our MOT is due this month and we haven't got anything saved back to pay for it should it be a huge amount - we paid everything we had towards to paying bills so we know a few garages that do the payment plan , we used last year without problem - but we used a friends garage so wondering if its credit checked and he just helped us get the payment plan , you pay 10% on the day then 3 monthly payments by direct debit which we did last year .
We've had a fall out with him over our son's none payment where he wanted us to pay his debt , we said we can't afford it so now we need another garage but need the payment plan .
Sorry if that's all confusing I just need to find out if our credit files are going to look really dire when we come to applying for the payment plan at another garage .
Thanks s2m
My question is this and i think i asked it before but not the same way lo.
If our debts are now UE but not yet SB do the dca keep updating our credit files with none payment - or do all debts paid or unpaid fall off credit files after 6 years ? As its been 9 years since we had dmp and on here with UE will they have fallen off our files ?.
The reason I'm asking is that our MOT is due this month and we haven't got anything saved back to pay for it should it be a huge amount - we paid everything we had towards to paying bills so we know a few garages that do the payment plan , we used last year without problem - but we used a friends garage so wondering if its credit checked and he just helped us get the payment plan , you pay 10% on the day then 3 monthly payments by direct debit which we did last year .
We've had a fall out with him over our son's none payment where he wanted us to pay his debt , we said we can't afford it so now we need another garage but need the payment plan .
Sorry if that's all confusing I just need to find out if our credit files are going to look really dire when we come to applying for the payment plan at another garage .
Thanks s2m
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