Defaults on Credit File, Nobody Chasing Debt.

mart3ndo

Hi,

Got a question for the community.

My credit report is pretty bad, showing a lot of debt.

I am trying to get all this sorted out, however, most of the companies I owe money to are not chasing me. I have no account details and would not know who to contact.

Whats the best way for me to proceed in this matter.

matttye

How old is the debt? Can you give us more information, eg who you owe, how much and when you last paid?

Curr946

they may not chase you know, but years down the line they could sell it on and it could catch up just before the statutory bar timeframe. Could lead to a CCJ.

mart3ndo

The important ones:

HBOS
£ 600
30/06/2013
Default
Account type
Credit Card
Account number
************1674 0
Account start date
15/02/2008
Repayment frequency
Monthly
Date of default
19/11/2009
Default balance
£ 600


1St Credit Limited
£ 152
04/07/2013
Default
Account type
Current Account
Account number
**********8701 0
Account start date
21/10/2006
Opening balance
£ 208
Repayment frequency
Monthly
Date of default
10/11/2008
Default balance
£ 208


Bank Of Scotland
£ 674
31/05/2013
Default
Account type
Current Account
Account number
**********4826 0
Account start date
31/01/2008
Opening balance
£ 431
Repayment frequency
Monthly
Date of default
26/11/2009
Default balance
£ 674

There's more, but their all along similar lines