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Your debt agency the telephone business offered this to help keep giving me provides but I think we have actuallyn’t gotten any such thing when it comes to past six months.

Should this come down my credit report any time soon ?

Sara (Financial Obligation Camel) says

Defaults drop your credit record off 6 years following the standard date regarding the personal credit record.

But needless to say your debt collector may opt to head to court for a CCJ, which may then be on the credit score for the next 6 years. When they prompt you to a beneficial offer to stay, accepting it could be a good idea

We don’t concur that We owe the bill stated through the phone business when We did get in touch with them, they couldn’t give further information since they had closed the account and offered it up to a debt agency.

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

Sara (Financial Obligation Camel) says

maybe you have taken the grievance into the appropriate Ombudsman?

We have a learning pupil loan financial obligation from 1997 which was sold to a DCA around 2015. We have actuallyn’t produced re payment or acknowledged the debt since early ’00s, however the DCA slapped a standard on in 2017 and say that the reason 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 it.

I will be from Venezuela. Back 2014 we signed up for a post graduate system in England. In 7 june 2014 I made the very first and payment that is only my tuition costs. To pay for the remainder I happened to be looking forward to the goverment to accept my demand to exchnage venezuelan money into pounds (in Venezuela you will need goverment authorization to get this done sorts of Transaction.) edited

Sara (Financial Obligation Camel) says

Hi Joeal, your two commentary had been extremely long and complicated. You want anyone to speak with you concerning the information on your instances, see your face isn’t me personally.

Hey! Thanks anyway.

I believe I may simply inform the university about my present situation, with my boss placing my agreement on hold and everything, to discover when they can hold back until lockdown is lift here to resume discussion.

We have a classic debt from 2010-2011 that I didn’t realise ended up being 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 financial obligation seemingly have never ever been defaulted. In order that it has remained to my credit history as a free account in arrears and payments that are missing date each month until June 2020 (present). My real question is exactly just exactly what recourse do i’ve with this, since clearly very nearly 10years later on this would maybe maybe maybe not still be being reported on my credit report and adversely impacting it? I could spend this quantity, but i would really like elimination of this from my credit score because it’s one thing I happened to be unacquainted with, being very nearly a decade old now undoubtedly must not nevertheless be recorded on my credit history, thought these problems often only remain on the file for as much as 6years.

Any information you’ll offer would actually be valued.

Sara (Financial Obligation Camel) says

Have you continued utilizing the Virgin account? If you don’t, whenever do you stop?

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

We have a highly skilled financial obligation from 2010 that I happened to be unacquainted with until recently i looked over my credit history because our company is seeking to get a home loan. 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 final contact we had regarding this financial obligation was at 2011 and I’ve had nothing since (We have relocated house etc but email has not changed) it seems this financial obligation ended up being never ever defaulted and has now remained as a free account in arrears and missed re payments each month since 2010, but I became entirely unaware. Do We have any recourse for working with this, it is nearly ten years old it is nevertheless on my credit account as lacking a payment each month. Could you please ever advise, thanks a great deal

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