Questions about defaults CCJ, credit file and overseas EU creditors.

alexfun

Hi folks,

I have checked credit file and there is 1 default or ccj that is about to expire in 2016. I was thinking to contact creditor and without admiting liability offer some sum to remove it faster. Is this a) technically possible for creditor to ask registers to remove part of account history prior to 6 years? b) it may reset 6 years clock or not?

When there were some late payments followed by default are they all removed after 6 years?

And if there is an overseas EU creditor and say they sell debts to UK agencies, can UK debt collectors enter sum in question onto credit file or not and which legal actions are open to them?

I am asking it because I am thinking of offering some cash in order to settle.

Thrugelmir

CCJ's are recorded at the Trust Registry. So will not be removed unless appealed against successfully.