Credit Agreement

Roscoturner

Hi all,

I am looking for some advice. It is nearly the six year aniverssary of several defaults on my credit file. I am not able to find all the relevent credit agreements, especially those transferred or bought by debt recovery agents.

Is it correct to think that if the companies must supply the information and signed agreements by request? And if they cannot supply a copy of the signed agreement then the default notice recorded on my account could or should then be removed?

Thanks

McKneff

If it is nearing the six year anniversary, why are you bothering, they will be dropping off soon anyway.

fermi

Yes, defaulted account are removed from your reports 6 years from the recorded default date. Even if not paid.

A CCA request can be complied with without supplying a signed agreement, and even if they can't that does not mean they must remove the default.

happy_bunny_2

Have you paid or acknowledged the debts in the last 6 years?

May be or be close to statute barred.