Sara (Financial Obligation Camel) says

Santander loan – you’ve been payments that are making this therefore it won’t ever be stature banned. if you stop having to pay when it falls down your credit score they could visit court for the CCJ. It will no longer affect your credit score when it drops off your credit record.

Halifax – it is correct that the Halifax debt will still show but it should show a balance of zero if they have sold this to Link. What kind of financial obligation ended up being this loan that is– charge card overdraft?

Hi sara I’ve had a page from Tesco bank that will be a annual declaration of a loan that is personal down. We published returning to tesco together with your stat barred template and additionally they confirmed that the past re re payment to your account ended up being and they’ve delivered statements every half a year and therefore they think the account remains enforceable, We had written right back obviously stating that the account is stat barred as no repayment or contact made but they have been insisting that since they delivered statements every six months they state that its maybe not stat barred, I inquired for your final reaction page when I said im likely to escalate to fos plus they state their last reaction continues to be the exact same and never changing it, any advice could be great.

Sara (Financial Obligation Camel) says

Have actually they ever delivered you a Default Notice?

Hi sara Many thanks so you can get right right right straight back. Since far as I’m aware we never ever had any interaction from their website after all as much as this aspect. The account was at standard back at my credit history for 6 years but dropped down nearly 24 months ago.

This is basically the last reaction from Tesco:

In light of this communication we’ve sporadically issued to the given information held on record, we’dn’t see your debt as unenforceable and would continue steadily to recover the monies owed, on the basis of the contract finalized by you.

There’s been no re payment or contact from me personally or as I’m aware from them, but as above they truly are saying because they delivered statements sporadically so they really don’t see your debt as unenforceable, is it them simply completely ignoring the the limitation work?

Sara (Financial Obligation Camel) says

it seems like it in my experience. It is advisable to keep in touch with National Debtline by what to do next.

I’ve had a financial obligation for over 6 12 months now the initial company was shop direct a catalogue business. My account was defaulted with missed payments because of a psychological infection and we put up a repayment plan spending £1 four weeks after a few years we received letters informing me personally my financial obligation was at the fingers of the financial obligation business and also to maintain the re re payment plan going I had to change re re re payment for them I became bombarded with letters and telephone calls that I ignored and kept the £1 per month re payment going before long I received a page saying Lowell team had absorbed and I also changed the £1 payment want to them. And once again I happened to be bombarded with letters and telephone calls that we ignored chances are they stopped calling me personally years went by without any contact my credit history had been marked red now six 12 months has passed away while the financial obligation happens to be cleared from my credit history. Now the telephone telephone phone calls have begun once again and a pre appropriate evaluation page providing a 40% discount is here. We don’t understand what to complete can they simply take me to court or do I contact them and attempt to create a countertop offer to stay your debt.

Any advice will be an excellent assistance.

Sara (Debt Camel) says

Whenever did a payment last be made by you for this? would you remember if Shop Direct ever delivered you a Default Notice?

My son has simply gotten a letter from the dca, acting for a ongoing business that purchased the financial obligation from their bank, for the loan which was removed. he’s since move house a few times….and had no communication from anyone saying your debt is offered etc. Would he have to spend /acknowledge the brand new company etc…..there is nothing showing in his credit history about this many thanks

Sara (Financial Obligation Camel) says

It might be statute barred. I would suggest he foretells National Debtline about their choices – 0808 808 4000. It, it is possible he may have to defend a court case if he ignores.

I’ve an 8 12 months old financial obligation that We have actuallyn’t produced re re payment on for 7 years. I’m maybe perhaps not being earnestly pursued for this, nonetheless it sits to my credit history as ‘6 months late’ and appears to possess never ever been defaulted. I’m perhaps perhaps not able to produce a payment…will there be any way to get it down my file except that having to pay it in complete? Ethically I’d much rather spend it but i must explore all choices ready to accept me personally.

Sara (Financial Obligation Camel) says

What kind of financial obligation is it? can it be nevertheless with all the lender that is original has it been offered to a financial obligation collector? whenever had been you last contacted concerning this financial obligation?

And it is this your debt that is only issue?

Sorry, little more detail – It’s a Halifax student account overdraft. We joined a payment plan using them but unfortunately destroyed my work, therefore the payment that is last. I experienced updated all of them with my brand new address since initially I //cartitleloansextra.com/payday-loans-ar/ opted with my University target, but to my credit history it has the initial target on. We haven’t heard it is my only debt from them and yes.

Sara (Financial Obligation Camel) says

whenever ended up being the very first six months late marker used?

then from the time it shows for each thirty days so far.

Sara (Financial Obligation Camel) says

In order to ask Halifax to put in a default right back. your debt would then drop your credit record off immediately once the deafult could be a lot more than 6 years back.