Old jd williams accounts

[Arthurfleck]

Hi, i have several old catalogue debts with j d williams group under all their brands. I have not paid any of these off. I have never been contacted about them nor have i contacted them. The accounts are all over 8 years old. However theybare all being reported on my credit file and have not been defaulted. Should i get them removed or leave them on there forever as they all show over credit limit.

[echat11]

Hi Arthurfleck

Welcome to LB

Providing no payments or acknowledgement of the debt has been made in the last 6 years, the debt is statute barred, as long as there is no CCJ. If the accounts has been closed, they should 'drop off' after 6 years.

[Arthurfleck]

This is my issue. They have never defaulted ted them or closed them and are still beimg reported on my credit file way after 6 years of no oayment

[echat11]

This is my issue. They have never defaulted ted them or closed them and are still beimg reported on my credit file way after 6 years of no oayment

That is the issue, they have never closed the accounts. So they will sit on your credit report.

I would send them a Statute Barred letter, so they close them.

Tell them they need removing from your credit file.

Get Proof of Postage.

https://legalbeagles.info/forums/for...ed-debt-letter