default query after 6 years ?

kingfone786

.. ref to fermi last post You are correct I was not referring to statuate barred..............................................I was a bit concerned as the equifax report states this as a hire purchase even though it was a c c debt. Just was worried that it would stay on there forever until it was paid off

fermi

kingfone786 wrote: »

A quick query... it says on the above post if an agreement is reached... is this with my permission or the original c c company ?

An agreement between the CC company and the debt buyer over who's name and responsibility it will be to keep the credit record entry up to date. They don't need your agreement for that.

If this is down as HP when it is a CC debt, then that is clearly wrong. Should stop it coming off after the 65 years though.

kingfone786

hi,
so do i need to get the status changed to a c card debt ?

or will it roll off after 6 years anyway ?

just to clarify there is no payment history on this account, as you said rightly earlier on they are just reporting the balance of th account which is being reduced

fermi

Shouldn't affect whether it falls off or not, so I can't see much point in getting it changed.

Up to you, but it's nearly October now.

kingfone786

thanks for your help, will let you know next mnoth

regards