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T O P I C R E V I E W
movin on
Posted - 30 September 2008 : 18:06:39 I have looked at my credit file and noticed that i have been defaulted (last year)by Alliance & Leicester. I was not aware of this at all as i received no letters from them.
Do i add this in my BR or because it was so long ago just leave it?
Thanks
Jenny
xx
The weights are coming off my shoulders very slowly, but making such a big diference !!
3 L A T E S T R E P L I E S (Newest First)
movin on
Posted - 30 September 2008 : 20:34:19 To John
Below is what is on my credit file - It does actually look like it has been settled
Alliance & Leicester Current Accounts(i) / XXXXXXX892S Current Account 0 @ £ 0 (Monthly) £ 0 £ 0 Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default / Delinquent Balance Settled £ 0 03/04/2008 02/06/2007 02/08 13/03/2008 £ 432 Payment History See Key of Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2008 2007
The weights are coming off my shoulders very slowly, but making such a big diference !!
movin on
Posted - 30 September 2008 : 20:29:38 Hi John
I have never paid the debt off as i did not know i owed the money (it was a bank account that i never used) - they therefore defaulted me last year. It is not down as settled.
So, because it has never been settled i was wondering if i should add it to my creditors to include it in my br or just leave it as it is.
The weights are coming off my shoulders very slowly, but making such a big diference !!
John
Posted - 30 September 2008 : 20:25:11 Hi not sure what you mean. Irrespective of a default, if you still owe money then it is a debt and must be listed. If you have subsequently satisfied the debt then you've no need to list it.
