Default dropping off report

[mrneedshelp]

Hi,

I have a default which is due to be removed from my credit report in the next couple of months. I have made no payments to it and just received a letter from a debt company asking me to pay it or setup a payment plan.

If I don't contact them it says they will send a company to my door called resolv call. Just trying to find out what I should do next.

Thank you

[Pezza54]

After 6 years from the date of the CCJ the creditor must obtain court permission to take enforcement action

The creditor can take action to chase the debt within the 6 years but there are rules they must keep to to avoid harassment

Please read the article "What to do if you are harassed by creditors" at www.stepchange.org

Personally I would avoid opening the door to this debt collector until the 6 year period is up. When it is, open the door and tell the debt collector the creditor has to have court permission and you will report them to authorities if they continue to harass you

[mrneedshelp]

Thank you very much for your response. I have until the end of may for the default to drop of my report so until then will not answer the door.

If I happen to be outside at the time someone comes I guess I'll just say it's not me go away

[Pezza54]

That's right, you tell'em where to go
Just hope it's not your parish priest about the next church service

[Clockwork]

Hi Pezza , think you meant default, not CCJ

[Pezza54]

Yes my mistake
If the debtor hasn't made payments or acknowledged the debt in the 6 year period after service of the default notice then the debt becomes statute barred and the creditor or DCA cannot take court action to recover the debt
If the creditor does not serve a default notice the point in time when the 6 years start running is when the creditor has a cause of action

[PallasAthena]

Just to add that "acknowledging the debt" means acknowledging it in writing. So they can't claim that you acknowledged the debt by something you said to a DCA.