[COLOR=rgba(0, 0, 0, 0.701961)]Ok here's the situation :[/COLOR][COLOR=rgba(0, 0, 0, 0.701961)]
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[COLOR=rgba(0, 0, 0, 0.701961)]Due to some serious financial issues in my life back in 2009 I received a default for £6000 on a current account with First Direct dated June 2009. I have not since been in a position to be able to clear any of this balance and therefore haven't communicated with them or any of the various debt recovery companies that they have instructed during this time.[/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]
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[COLOR=rgba(0, 0, 0, 0.701961)]Today I received a letter from Keynes Collections and it threatens legal action that would result in a CCJ being registered against me of which will obviously have an impact on my credit file for a further 6 years! [/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]
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[COLOR=rgba(0, 0, 0, 0.701961)]I believe that this debt has either just become statue barred and if not it will be within a few weeks. I really can not afford to receive a CCJ at this time in my life as I am just starting to get back in my feet financially and am hoping to purchase a house in the next few years.[/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]
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[COLOR=rgba(0, 0, 0, 0.701961)]I am contemplating either claiming it is statue barred or to offer a monthly payment plan. My question is if I ofer to repay monthly what would then show up on my credit file? I know that it was due to completely disappear in June this year as the default would be more than 6 years old at that time, but if I now start to pay a monthly amount will it continue to show? [/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]
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[COLOR=rgba(0, 0, 0, 0.701961)]Any advice would be much appreciated! Many thanks. [/COLOR]
[/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]Due to some serious financial issues in my life back in 2009 I received a default for £6000 on a current account with First Direct dated June 2009. I have not since been in a position to be able to clear any of this balance and therefore haven't communicated with them or any of the various debt recovery companies that they have instructed during this time.[/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]
[/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]Today I received a letter from Keynes Collections and it threatens legal action that would result in a CCJ being registered against me of which will obviously have an impact on my credit file for a further 6 years! [/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]
[/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]I believe that this debt has either just become statue barred and if not it will be within a few weeks. I really can not afford to receive a CCJ at this time in my life as I am just starting to get back in my feet financially and am hoping to purchase a house in the next few years.[/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]
[/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]I am contemplating either claiming it is statue barred or to offer a monthly payment plan. My question is if I ofer to repay monthly what would then show up on my credit file? I know that it was due to completely disappear in June this year as the default would be more than 6 years old at that time, but if I now start to pay a monthly amount will it continue to show? [/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]
[/COLOR]
[COLOR=rgba(0, 0, 0, 0.701961)]Any advice would be much appreciated! Many thanks. [/COLOR]
Old debt has come back to haunt me, urgent advice needed!
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