Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • Zab30
    • By Zab30 8th Mar 18, 8:58 PM
    • 1Posts
    • 0Thanks
    Default No Longer Appearing on any CRA file
    • #1
    • 8th Mar 18, 8:58 PM
    Default No Longer Appearing on any CRA file 8th Mar 18 at 8:58 PM

    Late in 2011 I defaulted on a bank loan, with in excess of 18k owed. I haven't paid anything towards the debt since that date but no CCJ has ever shown up (on Noddle, Clearscore, MSE credit club, Giffgaff, Totally Money), yet the defaulted account disappeard from all of the above in Jan 2018. I have also paid to run an enquiry on TrustOnline and there is no CCJ against my name. Is this debt now statute barred and unenforceable?

    I understand some people will take issue with the ethics of the above, but there were genuine reasons that left me in a real financial mess for a while.

    Thanks in advance for any replies.
Page 1
    • zx81
    • By zx81 8th Mar 18, 9:00 PM
    • 17,287 Posts
    • 18,403 Thanks
    • #2
    • 8th Mar 18, 9:00 PM
    • #2
    • 8th Mar 18, 9:00 PM
    Yes, it is now statute barred, based on what you've said.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

140Posts Today

1,744Users online

Martin's Twitter
  • Ah these care free days of watching #ENG score 5 goals in the first half of a World Cup match. It reminds me of... Never.

  • Then it should be. It's not some accident. It's deliberate grappling

  • Penalty yes but time someone was sent off for these wrestling moves #WorldCup

  • Follow Martin