when does 6yrs STB start from?

richwannabe

Hi all , could someone inform me when does the 6yrs statue barred start from ?
Is it from the last default ? or from my last payment ?
And how many times can a debt be defaulted ?
Sorry for being a norse here but have looked at my credit file and have a few defaults that are years old.
Really want to clear up my credit file , have cca ed these years ago and not had any valid responses but still they remain on my file.

sourcrates

richwannabe wrote: »

Hi all , could someone inform me when does the 6yrs statue barred start from ?
Is it from the last default ? or from my last payment ?
And how many times can a debt be defaulted ?
Sorry for being a norse here but have looked at my credit file and have a few defaults that are years old.
Really want to clear up my credit file , have cca ed these years ago and not had any valid responses but still they remain on my file.

Six years from last acknowledgement or payment, whichever was the latter.

richwannabe

So if they remain on my credit file can I get them took off ? or will they disappear eventually ?

sourcrates

An account can only be defaulted once, you cant have them removed unless the account was defaulted incorrectly, six years from the date it was defaulted, it will drop off your file.


Also, just going back to what you said about not complying with your CCA requests, until they do comply, the creditor would be in default of said request and could not obtain a CCJ against you until the request was actioned.

richwannabe

Thank you so much for your help , so if a debt has been passed to a DCA they cant default me as well can they ?

sourcrates

richwannabe wrote: »

Thank you so much for your help , so if a debt has been passed to a DCA they cant default me as well can they ?

Not if its already been defaulted no.

Tixy

richwannabe wrote: »

Thank you so much for your help , so if a debt has been passed to a DCA they cant default me as well can they ?

They must use the original default date that the creditor previously used on their entry on your credit file.
They cannot change the date of default (although it is not unheard of for debt collectors to date defaults the date they buy the debt). If they do you can complain to get it corrected.

richwannabe

Sorry to be a pain but on looking at some of these old defaulted accounts on experian some say satisfied , even though I know i didnt pay in full, any ideas ?

Tixy

Can sometimes be that the original creditor marks them as satisfied when they sell them on to a debt collector.
The debt collector may then add their own entry (either to the same credit reference agencies or sometimes to one of the other 2).