Credit File from Credit Expert

icheckmate

I do not believe I had made acknowledgments since.

How can I tell the last date I made a payment without calling, making the acknowledgment for the information?

GeoffSpar8

OP - speaking from experience, I would leave it a year and see who comes chasing. Most hand over DCAs and do not pursue court action.

Get yourself a credit building credit card (Capital One accept most people and isn't seen as necessarily a "bad credit" credit card as they used to do one at 5% APR.)

Build up the history, paying off in full and never missing a payment.

I was in a similar situation to you and my last defaults fall off at the end of next month. Can't wait.

kink_bosslady

Unlike the rest of the UK, statute barred debts in Scotland come into effect if the debt is 5 years old, rather than 6 years.

There is a set of conditions involved in statute barred debts as follows:

1) There must be no outstanding decree against you.

2) There must be no record of payment made towards the debt in the last 5 years.

3) There must be no written communication between the creditor and you to say that the debt has been acknowledged.

All three conditions must be met in order for the debt in question to be classed as statute barred. If a debt is statute barred, this basically means that it no longer exists and creditors or debt collection agencies have no right to hassle you.