Motormile Finance UK Ltd

NatashaW

Have changed it slightly...

When looking at my credit file I can see that a default in March 2011, by yourselves, is dated January 2017 (although it was not updated on my credit file until August 2017.) There can only be one default date for a debt - please delete the default date of January 2017 as this should, in fact, be March 2011. I also notice that the date of birth you have listed under the default is incorrect.

The default should have been deleted and dropped off of my credit file in March 2017 (6 years after the actual default date). This is now causing me delays in re-mortgaging.

Interested to know if this is me accepting the debt or not...?

fatbelly

If your last payment, or other written acknowledgement, was six years ago or more, then it's statute barred and can't be un-barred. (1980 Limitation Act 29(7))

So it doesn't matter from that angle.

That is a good first letter - however, I suspect this won't be the last letter you write