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  • #1

    Default removal

    Hi all
    I was wondering if there is any way I can get a default removed from my file. I had a debt that was last paid in early 2008 but it was not defaulted until the end of 2011.
    Eventually it got handed to a DCA who have confirmed it as statute barred. My credit file was last updated with this debt (showing an 8) at the end of 2014 but obviously due to the time it took them to default I still have the debt showing for another year!

    Any help would be really appreciated.

    Thanks.
    Tags: address, credit, dca, debt, default, default removal, defaulted, fos, help, mortgage, niddy, paid, removal, statute, statute barred
  • #2
    Re: Default removal

    It won't affect you if +3yrs old and at same address as -3yrs ago (unless you wanted mortgage)....

    They should default earlier, but clearly haven't. You can formally complain & then utilise FOS but is it worth it if you aren't mortgaging....?
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    • #3
      Re: Default removal

      Originally posted by Never-In-Doubt View Post
      It won't affect you if +3yrs old and at same address as -3yrs ago (unless you wanted mortgage)....

      They should default earlier, but clearly haven't. You can formally complain & then utilise FOS but is it worth it if you aren't mortgaging....?

      Hi Niddy, yes I thought that might be the case, if it was quick and easy I would do it. Hopefully I wont be looking at a mortgage for another year!
      Many thanks

      Bos

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