Possible letter when threatened with court action

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  • Narkynewt
    Narkynewt Posts: 118 Forumite
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    Ok, well hopefully the letter will mean a full hold, including them putting anything on my file. I have told them I have also sent a copy to my solicitor.
  • Narkynewt
    Narkynewt Posts: 118 Forumite
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    They have emailed me today asking me to call them. I really don't want this to go on my credit file. Do you think if I tell them I will pay it today and ask they do not put any trace of it on my credit file they will do this or do they have to update my file? There is no trace of it at the moment.

    Please help. Thank you
  • Narkynewt
    Narkynewt Posts: 118 Forumite
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    Or will it always leave a trace? I read somewhere that a default only shows 31 days after being unpaid so I I ask them to put a hold on the account for 30 days then go into a payment plan it shouldn't show on my file for 60 days should it? This is really stressing me out I can't sleep.
  • Narkynewt
    Narkynewt Posts: 118 Forumite
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    What do you think the best course of action is to prevent this showing up on my file at all. I contacted an old debt last month and then it showed up on my credit file, so far I have only emailed them, not rang.
  • sourcrates
    sourcrates Posts: 28,918 Ambassador
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    missmarra wrote: »
    What do you think the best course of action is to prevent this showing up on my file at all. I contacted an old debt last month and then it showed up on my credit file, so far I have only emailed them, not rang.

    Ok,

    what is the current status of this debt on your credit file, what does it show as at the moment ?

    Or dosent it appear at all ?
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Narkynewt
    Narkynewt Posts: 118 Forumite
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    It's not showing at all

    Thanks for replying :)
  • Narkynewt
    Narkynewt Posts: 118 Forumite
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    I rang a 5 year old default back a few weeks ago because ey sent me a letter and it came up on my credit file as a default the week after!
  • sourcrates
    sourcrates Posts: 28,918 Ambassador
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    missmarra wrote: »
    It's not showing at all

    Thanks for replying :)

    I`m a little confused as to why its not currently on your credit file, does it appear in the "closed accounts" section, sometimes payday lenders just close bad debt accounts and stop reporting on them altogether.

    However contact with the DCA is likely to re-light this fire.

    You didn't answer Fatbellys question previously, what letter exactly have you received, is it a letter threatening court action, or an actual claim form ?
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Raven42
    Raven42 Posts: 24 Forumite
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    Also if you have recently opened up one can of worms which resulted in a default showing how is that one not an issue for your mortgage?

    I ask as somebody who will be looking for a mortgage in 2 years time with many unsatisfied defaults from 2011 when a one life event left me 3k in debt through payday loans.
  • Narkynewt
    Narkynewt Posts: 118 Forumite
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    They have sent me a court claim form not a threat letter.

    I am stressed because I don't want more than 1 default over £500 on my credit file. My mortgage advisor has assured me that the debt showing on my credit file at the moment is om as one is less than £200 and 4 years old, the other is 5.5 years old but £650. Since then I have paid everything on time and my equifax credit score is almost 900.
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