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Author If you owed money to a company for ageees do u still have to pay?
Lupogti
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Registered: 13th Jun 06
Location: Staffordshire
User status: Offline
11th May 07 at 19:13   View User's Profile U2U Member Reply With Quote
Just chancing it here but applied for a loan and was unsuccessful, which i though was strange after just paying off 12k finance without missing a payment.

So sent off for my credit file, it says that i owe
o2 £180 from over 3 years ago, and its showing as a defult.

They havnt contacted me for the money,i phoned them and they found my file, with the owed money, but refused to pay on the off chance that i could get away with it
smack
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Registered: 7th Jul 04
User status: Offline
11th May 07 at 19:16   View User's Profile U2U Member Reply With Quote
leroy and the boys will be round soon
Ian
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Registered: 28th Aug 99
Location: Liverpool
User status: Offline
11th May 07 at 19:17   View Garage View User's Profile U2U Member Reply With Quote
It might still show up as default even if you pay up, not sure if they retrospectively wipe the record even if its made good.

That said, its getting in the way of future borrowing, you probably need to do something.
mooney
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Registered: 20th Oct 05
Location: north west uk
User status: Offline
11th May 07 at 19:27   View User's Profile U2U Member Reply With Quote
i owed barclays £12 from 3 years ago, moved house thought i closed my account, stopped me getting a mortgage last year
Lupogti
Member
Registered: 13th Jun 06
Location: Staffordshire
User status: Offline
11th May 07 at 19:28   View User's Profile U2U Member Reply With Quote
Thats my point, even if i do pay it, its still there on my file now, so will make no difference to my situation.
Little Vik
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Registered: 30th Jun 03
Location: Herts
User status: Offline
11th May 07 at 19:36   View User's Profile U2U Member Reply With Quote
It gets wiped after 6 years
Little Vik
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Registered: 30th Jun 03
Location: Herts
User status: Offline
11th May 07 at 19:36   View User's Profile U2U Member Reply With Quote
Sorry not the debt the history from your file!
Lupogti
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Registered: 13th Jun 06
Location: Staffordshire
User status: Offline
11th May 07 at 19:53   View User's Profile U2U Member Reply With Quote
Cool, well i just phone them back and arange to pay it off monthly
Ant
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Registered: 12th May 02
Location: Hereford and Worcester
User status: Offline
12th May 07 at 01:25   View User's Profile U2U Member Reply With Quote
I had a similar issue with vodafone, they recorded the default on my file 3 days after I had settled the account, due to me being behind with payments at the time the default stood and I had to wait 6 years for it to be removed.
jay kay
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Registered: 22nd Jan 06
Location: West Midlands
User status: Offline
12th May 07 at 02:39   View User's Profile U2U Member Reply With Quote
if you contact them you can get them to remove it as only they can remove items from your file

 
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