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DaS Debt Removed
TheWeeCazo
Posts: 2 Newbie
I'm in a Debt Arrangement Scheme (Scotland). I've been paying for over 5 years. I'm 2 years left.I've noticed all the debts I'm paying in my DaS have been removed from my credit file (Clearscore).
Does this mean I'm Debt free? None of the debts appear anymore including my DaS. I've asked Step Change to confirm but I also know I'm paying 10% in fees so I don't know if they will provide the correct information.
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Comments
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The debts still exist. It sounds like they have dropped off your file as its been 6 years since they defaulted1
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Everything gets removed from your file automatically 6 years after default, regardless of whether its paid or not.
It has no bearing whatsoever on your liability for these debts though, two very separate things altogether.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
Thank you.0
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