6yr rule

AG47

I have a debt still on my file from 2010

Should not everything be wiped after 6 yrs?


I never accepted anything about this debt in he last 8 years.

How can I get the CRAs to wipe I with he six yr rule?

[Deleted User]

What’s the current account status?

What is the default date (if any).

What type of debt is it?

PixelPound

It's not six years from when it was opened! Not enough information given. Provide more info, like GD asks. Not sure what you mean by "accepted anything", you don't say whether payments were made on it by you or a representative, whether it was defaulted, etc, so any advice given could be qrong due to some information not revealed.

AG47

!!! wrote: »

What’s the current account status?

What is the default date (if any).

What type of debt is it?

nic_c wrote: »

It's not six years from when it was opened! Not enough information given. Provide more info, like GD asks. Not sure what you mean by "accepted anything", you don't say whether payments were made on it by you or a representative, whether it was defaulted, etc, so any advice given could be qrong due to some information not revealed.

The default date was 2010 and I have ignored everyone since then.

So I have not accepted it as a debt ince then.

I understood that if you ignor for 6 years then it goes away. It if you ever rep,y to them or accept the debt again in any way the six years clock starts from zero again.

Anyway shall I write to CRAs to remove it because it’s over 6 years without any contact at all?

poppasmurf_bewdley

Well, you are halfway correct.

A debt becomes statute barred when it reaches six years from when the debt became due, and no payment has been made and/or the debt is not acknowledged during that six years.

So is it six full years since the debt became due, ie a payment that was due was missed? If it is, and no CCJ has been issued in the meantime, then the debt is probably statute barred and you can tell the debtor so, and that you are not paying it.

Also remember that once a debt becomes statute barred, it cannot be unbarred!

[Deleted User]

It doesn't "go away" - it just becomes unenforceable by certain means.

DCFC79

AG47 wrote: »

The default date was 2010 and I have ignored everyone since then.

So I have not accepted it as a debt ince then.

I understood that if you ignor for 6 years then it goes away. It if you ever rep,y to them or accept the debt again in any way the six years clock starts from zero again.

Anyway shall I write to CRAs to remove it because it’s over 6 years without any contact at all?

Despite ignoring the debt for 6 years they can still pursue you for it, its just not as easy.

AG47

Should not the CRAs remove it automatically after the 6yrs?

DCFC79

AG47 wrote: »

Should not the CRAs remove it automatically after the 6yrs?

I believe its for the creditor to remove it not the CRA's.

[Deleted User]

AG47 wrote: »

Should not the CRAs remove it automatically after the 6yrs?

So you haven't received a CCJ since? If so on what date?

AG47

DCFC79 wrote: »

I believe its for the creditor to remove it not the CRA's.

So even decade old debts still show on your report?

No I thought 6 yrs they should disappear