Default will be 6 years in April.

Goodtimesahead

discojam wrote: »

Company name:ROBINSON WAY
Account type:Credit card / Store card
Started:01/08/2000
Default Balance:£179
Current Balance:Satisfied
Defaulted On:27/07/2005
File Updated for the Period to:15/02/2009


Company name:CAPITAL ONE
Account type:Credit card / Store card
Special Instruction Indicator:Partial Settlement
Start Date:01/12/2006
Started:09/12/2004
Default Balance:£386
Current Balance:Satisfied
Defaulted On:05/10/2005
File Updated for the Period to:16/03/2008



Company name:BARCLAYS BANK PLC (WOOLWICH)
Account type:Bank
Default Balance:£431
Current Balance:Satisfied
Defaulted On:27/05/2004
File Updated for the Period to:06/02/2005


So Ive got two of these defaults which started in 2005 and one which defaulted in 2004 in May so does this mean it will come off my credit report in May this year? Does that mean it just doesnt show AT ALL or its still there in some way?

Thank you!!

Well done , not long to go now, they will just drop off your credit file, make sure you don't enter into any form of contact or communication with these Creditors, lie low then:beer: or two:D

discojam

Goodtimesahead wrote: »

Well done , not long to go now, they will just drop off your credit file, make sure you don't enter into any form of contact or communication with these Creditors, lie low then:beer: or two:D

thanks Goodtimesahead
I'm glad those three havnt got long to go as well! I partially settled those so will def not be contacting them at all

the main one Im worried about is that Lowell one, from that other thread it looks like even after the default has dropped off they can still apply for a CCJ, so even though the default will drop off end of April 2010 I should still be making payments to them? Or go down the CCA route? I just want to go for the best option altogether as I havnt actually paid anything on the Lowell debt (£5840) for over a year and am now thinking that if its getting near to when the default is going to drop off they may apply for a CCJ so should I make token payments or ask for a copy of the credit agreement?
eeeeeeehhhhhhhhhh.........Ill get this sorted one day! 6 years of awful credit! :eek:

Thanks for your support I should celebrate each milestone really just seems like its never gonna end at the moment!

discojam

I'm a bit scared as Lowell have been in contact with me recently I'm now worried that they are going to issue me with a CCJ which will stay on my credit report for another 6 years even though the default is due to drop off at the end of next month. Do you think I should make a token payment straight away now then send them the CCA letter? Or do you think I should just send the letter? I can get it in the post tomorrow and then that way if they dont come up with the Credit Agreement and the default drops off next month then they cant chase me for it can they?
Or if it turns out they do have the credit agreement and the default drops off next month then I can just make monthly payments?