Old Debt Repayment Advice

3rni3

Afternoon,

Hoping somebody can help, basically I am repaying two different DCA's £50 a month repayment plans on some old debts - Ex Credit Card Current Balance £1364 - repaid so far £950 (19 months) and Ex Car Finance Balance £4030 - repaid so far £400 (8 months) for which I also received a CCJ for in July 2010. Neither of these debts or CCJ appear anywhere on my credit report now (both 6yrs+) and I have just inherited some money. I am looking at making an offer to each DCA to clear, now I don't have enough money to clear the full balance, so will be looking at them taking a partial payment to close the account. Seeing as neither of these appear on my credit file if I make a partial settlement will these both reappear as partially settled and I will have to wait another 6 years to remove all adverse marks from my credit history?

Thanks In Advance

[Deleted User]

Have you checked all three files?

3rni3

Yes All Three Clear.

sourcrates

Hi,

The accounts will not reappear on your credit file no matter what you do.

You can negotiate deals over the phone, but make sure any acceptable offer is backed up in writing.

You need them to agree that the amount you pay will clear your debt, and you will not be chased by them or there agents for the remaining balance.

Try and obtain the best deal you can.