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Hi, I'll try and keep it brief:
I VT'd my car in 2016, with the assessor who came to collect the vehicle saying there would be about £250 to pay for some scuffed alloys etc..., which would have been fine. After the car was taken away, I was asked to pay excess mileage, which I haven't done.
Lester Aldridge took up the pursuit of the excess mileage charge and, without any contact with me, started to register missed payments on my credit file, which they have done for over 7 years. I've just contested this with Experian, who have told me that the account is still open, meaning the account remains visible on my credit file.
Is this legal/ethical? I thought that accounts dropped off after 6-7 years regardless of missed payments, defaults, etc..., and ignoring the question of why they didn't default the "account" some time ago, I'm a bit nonplussed as to how an account that was VT'd 8 years ago is still showing as open, and how excess mileage is classed as a credit based debt, if that makes sense.
Not sure if anyone can help, but I'd appreciate it if you could shed some more light on this.
I VT'd my car in 2016, with the assessor who came to collect the vehicle saying there would be about £250 to pay for some scuffed alloys etc..., which would have been fine. After the car was taken away, I was asked to pay excess mileage, which I haven't done.
Lester Aldridge took up the pursuit of the excess mileage charge and, without any contact with me, started to register missed payments on my credit file, which they have done for over 7 years. I've just contested this with Experian, who have told me that the account is still open, meaning the account remains visible on my credit file.
Is this legal/ethical? I thought that accounts dropped off after 6-7 years regardless of missed payments, defaults, etc..., and ignoring the question of why they didn't default the "account" some time ago, I'm a bit nonplussed as to how an account that was VT'd 8 years ago is still showing as open, and how excess mileage is classed as a credit based debt, if that makes sense.
Not sure if anyone can help, but I'd appreciate it if you could shed some more light on this.
