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As the title suggests, there's a debt on my credit file that I haven't made a payment for in 7 years, and I've had no contact from the lender (Annoying though, they've got an old address down as the contact despite me updating it when I started the repayments). I was at one stage paying it off but I lost my job and unfortunately a casualty of that was this debt not being paid. Ethically, I'd much rather settle my debts, but having lost another job due to Coronavirus, I have to strictly look at finances first - as I cannot afford to pay this at the moment. It was an student account overdraft from Halifax. Should this have been defaulted in the 7 years I've made no payment? Is it worth me complaining to them that this should indeed have been, and therefore dropped off my credit file by now?
Thanks very much for your help.
Thanks very much for your help.
