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Defaults, DMP & Dates
antonic
Posts: 1,978 Forumite
Evening all !
I had Credit Cards with :
HBOS
CapitalOne &
Cahoot
as well as an overdraft with the Abbey National when I entered my DMP in Dec 2005, when will any defaults drop off my credit file ?
(I havent checked my credit files since 2005 also !)
Also HBOS has charged me interest of approx £1500 when they unfroze the interest in 2007 before refreezing again, do I have to pay this or can I get it reduced/written off ?
Thanks for your help !
I had Credit Cards with :
HBOS
CapitalOne &
Cahoot
as well as an overdraft with the Abbey National when I entered my DMP in Dec 2005, when will any defaults drop off my credit file ?
(I havent checked my credit files since 2005 also !)
Also HBOS has charged me interest of approx £1500 when they unfroze the interest in 2007 before refreezing again, do I have to pay this or can I get it reduced/written off ?
Thanks for your help !
0
Comments
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Hello, default take 6 years .. not sure about the other stuff, hope someone can advise you :-)0
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As above defaults are removed from your file 6years from the default date.
Regarding the interest - you could write and ask them to reconsider and if they will remove that interest - but ultimately its down to HBOS whether they would agree to. If they won't remove it then yes you will have to pay it.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0
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