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Default Date - Can the original date be updated?

4 Posts
Hi,
Without going into detail, I have debt with lending stream going back to 2010. I defaulted on the account in November 2012, therefore should have the default removed November this year (as it would have been 6 years).
They've sold the debt on however to PRA Group and they have recently sent me a default letter for this debt. I have checked my noddle report (as this is the the only report showing this debt) and I have been given another default marker for this month.
Is this right? and should i of been given another one?
The date of default is still showing as November 2012, so should I still go by this date or will the default now restart. Please note that I have never acknowledged this debt with either agency
Any advise would be greatly appreciated
Without going into detail, I have debt with lending stream going back to 2010. I defaulted on the account in November 2012, therefore should have the default removed November this year (as it would have been 6 years).
They've sold the debt on however to PRA Group and they have recently sent me a default letter for this debt. I have checked my noddle report (as this is the the only report showing this debt) and I have been given another default marker for this month.
Is this right? and should i of been given another one?
The date of default is still showing as November 2012, so should I still go by this date or will the default now restart. Please note that I have never acknowledged this debt with either agency
Any advise would be greatly appreciated
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Replies
Though now that it is with a collection agency they may pursue a CCJ which will reset the clock again
Also if I settle the debt now will it still disappear in November or will that restart the clock? Not sure if me acknowledging it now will make things worse
If the debt is settle, it will drop off. Even if it got as far as CCJ as long as its paid within 30 days of the CCJ it will come off. Of course if it gets as far as claims or CCJ the cost will have risen.
If you are wanting to settle then you could negotiate for a discount (which will be marked as partially satisfied until it drops off in November).
A post the will unfairly worry the OP, it is no more likely that a collection agency will pursue a CCJ than the original creditor, and if you are paying them its even more unlikely
It!!!8217;s being truthful.
They!!!8217;re not being paid as already stated by OP that they!!!8217;ve not acknowledged it