Are you aware whenever a adviser that is scottish manage to offer some guidance for me personally about this one?

Are you aware whenever a adviser that is scottish manage to offer some guidance for me personally about this one?

Whenever can a default is got by you deleted?

August 12, 2017 writer: Sara Williams Tagged With: credit scores, Defaults, old debts

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Hi, my family and i come in a DPP (DAS) in Scotland, which we now have made repayments to for approximately 24 months, with a number of years nevertheless to get. My real question is whenever could be reasonable to anticipate the creditors whom authorized the DPP to own used defaults on our credit files from? Some have actually used them nearly instantly through the date the DPP commenced, other people two months later on, nevertheless most are nearly a after the DPP started and worryingly some are still reporting missed payments year. Any guidance will be valued.

Sara (Financial Obligation Camel) says

We will ask a Scottish adviser to answer this.

Sara (Financial Obligation Camel) says

Ah he has got been on vacation. We will offer him a nudge.

Hi Sara. Im A Cash Adviser in Scotland. Not long ago I had a situation where my customer had completely repaid their DAS plan and there was clearly nevertheless a debt showing on the credit report. Since it was in fact over 8 years since they’d entered the DAS, we published to your creditor to express that on the basis of the ICO guidance a default need to have been registered upon entering the DAS scheme. They decided to eliminate the financial obligation through the credit report. The couple would be suggested by me return to the adviser whom arranged the DAS want to assist them compose for their creditors to have all creditors to join up defaults. Particularly if their DAS may be paid back in over 6 years. Like that once they become financial obligation free these debts must also no further be to their credit history. They are able to get further advice/help at the after connect to find an adviser within their area

Thanks Angela, appreciate you supplying a reply. We will contact my DAS adviser and get them to simply help have got all the defaults updated to mirror the date the DAS came into impact.

Hi, I’m dreaming about some assistance, we missed a repayment in so 2013, by October I had missed 6 payments however the default didn’t start till September 2015 ( 6 is on my credit for around 2 years april)

Is this a case where i will e-mail and request they go on it from a youthful date? Or asked for this become deleted. It absolutely was from tsb bank??

Sara (Financial Obligation Camel) says

Just what has occurred into the debt, are you currently payments that are naking? Will it be nevertheless with TSB or has it been offered to a debt collector? Exactly what type if debt ended up being therefore?

Hey although I’m maybe not 100% certain i do believe it is an overdraft that is unplanned. It is nevertheless with tsb and I’m perhaps not currently making repayment.

Sara (Financial Obligation Camel) says

Should this be an overdraft it may be complicated, as there aren’t any set monthly premiums. And in the event that you contact them they truly are prone to would like you to start out spending them. It is best to communicate with National Debtline on 0808 808 4000 about as soon as the debt could be barred” that is“statute.

Hope you can easily assist, We have a number of defaults on my account from 2015 that are now compensated up via a DMP, nonetheless have actually a question on 2 of these.

The two under consideration where from 2 Natwest charge cards payday loans in New York, through the DMP Natwest passed your debt to Cabot Financial.

My credit file shows the defaults as 2015, this info is provided by both Natwest & Cabot Financial, however the settlement date on each account is different, Natwest is showing as settled in August 2017 where as Cabot are showing October 2018 (this is the date that I paid Cabot april)

Is this proper and tend to be they permitted to show different settlement times vs the lender that is original?

Sara (Financial Obligation Camel) says

The Natwest debt ended up being settled when it was sold by them to Cabot. The Cabot financial obligation wasn’t settled until they were paid by you. supplying the standard date is the identical on both, that is correct.

I experienced a Barclays account that is current overdraft. We made month-to-month deposits of between £50-100 to pay for the overdraft interest and decrease the financial obligation. The usual £15-£25 interest changed to almost £100 and within a few months I exceeded the overdraft limit without giving notice. We made a complaint, emphasised that I experienced no notice and couldn’t. Their reaction would be to refund the charges they charged me personally for exceeding the agreed overdraft. Then they proceeded to subtract the attention until it once again surpassed the restriction. In-may 2015 they shut the account, relocated it for their recoveries group! I declined to pay for any quantity that has been for the interest that is increased.

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