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  • FIRST POST
    • welly_59
    • By welly_59 12th Aug 18, 6:14 PM
    • 139Posts
    • 68Thanks
    welly_59
    Sorting out a delinquent account
    • #1
    • 12th Aug 18, 6:14 PM
    Sorting out a delinquent account 12th Aug 18 at 6:14 PM
    My wife has an account on her credit file which has been marked as 6 payments late for the last 2 years. No default notices received and the creditor is not chasing at present.

    What is the best way of dealing with this? It seems a bit tricky to go to the lender and arrange a payment plan when they could then go ahead and mark it default, where instead of they update status o default now she could probably challenge it and get the default date changed to 6 months after her last payment
Page 1
    • zx81
    • By zx81 12th Aug 18, 6:17 PM
    • 19,697 Posts
    • 21,090 Thanks
    zx81
    • #2
    • 12th Aug 18, 6:17 PM
    • #2
    • 12th Aug 18, 6:17 PM
    Make arrangements to pay it off.

    If a default if preferable to an ongoing arrangement, then ask for that.
    • Willing2Learn
    • By Willing2Learn 12th Aug 18, 6:17 PM
    • 1,836 Posts
    • 1,419 Thanks
    Willing2Learn
    • #3
    • 12th Aug 18, 6:17 PM
    • #3
    • 12th Aug 18, 6:17 PM
    Why not just pay the debt off? How much is the debt? How much is the arrears? With whom is the debt?

    Edit: Darn it. Too slow again!!
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • welly_59
    • By welly_59 12th Aug 18, 9:58 PM
    • 139 Posts
    • 68 Thanks
    welly_59
    • #4
    • 12th Aug 18, 9:58 PM
    • #4
    • 12th Aug 18, 9:58 PM
    Debt is about 800.

    I guess the question is would it be bette to have a default dated 2 years ago, or have an arrangement to pay market on file for possibly another 6/12 months and then have another 6 years of that on record
    • welly_59
    • By welly_59 13th Aug 18, 7:14 PM
    • 139 Posts
    • 68 Thanks
    welly_59
    • #5
    • 13th Aug 18, 7:14 PM
    • #5
    • 13th Aug 18, 7:14 PM
    taking the advice from other threads i have submitted requests that these accounts are marked as defaulted at the correct date as provided by guidance from the ICO.

    lets see what happens next
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