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How long to default?
AgentBigBoss
Posts: 25 Forumite
Comments
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Maybe to see how nervous you might get? Or maybe they consider it having defaulted but just haven't bothered to tell you.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions 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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
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I think they get mixed messages from the regulatory bodies.
The guidance you may need to point them to is at
https://www.scoronline.co.uk/key-documents/0 -
Another point to consider is that they may want to retain you as a customer, in the absence of other information. They may be hoping you will get your account back on track and thus retain your business.
After all, they will be unaware of any intention you may have to obtain defaults so your transition to debt management is a smoother ride, all they know is you stopped paying them, but will have no idea why.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-letter0 -
One creditor passed debt collecting to Wescot. But I don’t contact Wescot yet as still no default at my credit file visible.0
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