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Author What to do with a defaulted account
Gary
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Registered: 22nd Nov 06
Location: West Yorkshire
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26th Feb 13 at 14:14   View Garage View User's Profile U2U Member Reply With Quote
I have an old account that's been in default since 2010 I've only just remembered as it shows up on Noddle but not CreditExpert.

What should I do with it? Am i right in saying that even if i pay it off i'll still have a default showing till 2016? So i'm fucked either way?
VrsTurbo
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Registered: 8th Jun 10
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26th Feb 13 at 14:47   View Garage View User's Profile U2U Member Reply With Quote
http://www.learnmoney.co.uk/credit-file/remove_default_notice.html
James
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Registered: 1st Jun 02
Location: Surrey
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26th Feb 13 at 15:17   View User's Profile U2U Member Reply With Quote
How come they haven't sent letters or debt collectors etc...
Gary
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Registered: 22nd Nov 06
Location: West Yorkshire
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26th Feb 13 at 15:40   View Garage View User's Profile U2U Member Reply With Quote
Absolutely no idea
Toby
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Registered: 29th Nov 05
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26th Feb 13 at 18:03   View Garage View User's Profile U2U Member Reply With Quote
A friend of mine got a CCJ against him removed from his file after a solicitor filed against him when his legal aid wasn't paid to the solicitor in light of his pursuit of access to his kid. But involved him having to go to the magistrates court with a letter from them etc but would suggest its possible.

Having said that if it didn't show up on Experian, would it show up when companies search for it?
Gary
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Registered: 22nd Nov 06
Location: West Yorkshire
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27th Feb 13 at 10:58   View Garage View User's Profile U2U Member Reply With Quote
Shows up on Credit Expert now. Noticed it was at an address i hadnt listed on CE (address changed name and i only put one of the names in not thinkning)

Well after reading vrs's link, i dont think i'll be paying it off it i'll still get bummed for a default anyway, no point in wasting the money.
Whittie
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Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
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27th Feb 13 at 11:14   View User's Profile U2U Member Reply With Quote
How much is it? Just get rid, otherwise it'll never go...
Gary
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Registered: 22nd Nov 06
Location: West Yorkshire
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27th Feb 13 at 11:16   View Garage View User's Profile U2U Member Reply With Quote
Goes after 6 years
Gary
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Registered: 22nd Nov 06
Location: West Yorkshire
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27th Feb 13 at 11:17   View Garage View User's Profile U2U Member Reply With Quote
Well, technically the debt dosent but it can't show on your report any more.

Tbh, i'd have paid them if they'd attempted to collect the debt.

 
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