A home loan adviser stated I ought to wait before settling the re re payment because it would seem like a brandname brand new default on my file.

A home loan adviser stated I ought to wait before settling the re re payment because it would seem like a brandname brand new default on my file.

It won’t. It will disappear when it is compensated in complete, compensated partially or otherwise not paid after all.

Hi Sara Over 10 years ago we dropped really sick and might perhaps perhaps not benefit 24 months. I will be a home owner with home financing as well as the full time had a few charge cards, a catalogue, a guaranteed & unsecured loan . Long story short when I could not met the payment that is minimum my records dropped directly into arrears and defaulted. We came near to being announced bankrupt. My default that is last fell my credit account Dec 2017.

I happened to be encouraged to contact the resident advice whom assisted us to negotiate minimal payments of ВЈ1 and I also ended up being utilized in PayPlan once I happened to be in a position to go back to work. This year we arranged a drawdown back at my retirement and offered reduced repayments to all the my creditors via PayPlan that have been accepted.

Recently, i’ve gotten letters from 2of those creditors informing me personally that when your debt had been nevertheless registered to my credit account (that they aren’t ) it might be marked either partially settled, compensated in complete or settled with a price reduction (these were all settled with a price reduction).

My real question is, can each goes back once again to my credit history to record that your debt settled with a price reduction?

Hi Sara, I’d a standard with Santander that I decided to spend at a reduced price it absolutely was going ok then three years no missed payments they will have granted a CCJ which now become 9 years bad information on my credit history actually any advice please am paying it in whatever way.

Are you currently now spending it at a greater price than you had been ahead of the CCJ?

We have two defaults that are unsettled being paid month-to-month, but both fall off my file over the following 35 times. „A home loan adviser stated I ought to wait before settling the re re payment because it would seem like a brandname brand new default on my file.“ weiterlesen