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Ignored debt for years now needs sorting
Comments
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If the debts defaulted then they will have dropped off your credit report once they reached six years old. This should be automatic. An updated copy of your credit report will show you where things stand now.
James Jones“Official Company Representative
I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0 -
Thanks everyone, this is really helping. I am thinking about signing up for the Experian thing.0
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Hi Jonny, can you tell me what happened to you?0
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Hi James
Do you think the 6 years will have started again from the date I tried to setup the IVA? i.e. around 2009/2010
Or do you think they will drop off after the original default date back in 2005/2006?0 -
Luke if you never contacted your creditors in 2009ish and didn't complete the paperwork for Payplan then they won't have contacted them either.You never know how strong you are until being strong is the only choice you have.
xx Mama to a gorgeous Cranio Baby xx
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Hi, thanks, they did contact them and all the letters stopped. They got it all sorted but at the last minute I didnt sign the final paperwork. They had a creditors meeting and everything.
Maybe best to sign up for Experian and have a proper look at the dates.0 -
Although also maybe because I didn't finalise it all properly (the IVA), then it won't show up on the credit report as an extra 6 years from 2009, i.e. will have dropped off by now.0
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