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Scottish Trust Deed Forum
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Topic starter
30/05/2012 9:03 pm
Hello all
Im looking for some advice. my trustdeed was completed in September and I was discharged in December 2011.
I have started my clean up of my file.. Alot I am just leaving as is as they are marked as defaults in august 2008 so even though they are not marked as satified or settled they will still fall off in August 2014???
The 2 main problem ones are..
Welcome finance. They are being very awkward I am due to chase up again on Friday and if i dont get a reply I will be righting to the information comm as I am sick of dealing with them.
My other and the main reason for advice needed is..
I was over paid by SAS (student awark agency) when i was at college. They took me to court and got a CCJ for the debt. This was included in my trustdeed. This CCJ is still showing as active on my credit file.
2 main questions are. Will an active CCJ fall off after years or will it stay on after the 6 years if it is still shown as active.
2nd question is.. who would I right to to get this corrected. would it be the court or would it be SAS (original creditor).
Thanks so much in advance.
Its all so confusing..
counting down the remaining 2 years so i can truly forget once and for all about my silly mistakes.
31/05/2012 9:35 am
Hi Jenna1503.
Lets start with the usual warning. The experts here are insolvency professionals and/or debt advisers. We're not experts on credit records and credit ratings.
You should be able to get default notices marked as being satisfied or partially satisfied by contacting the lenders. If you choose not to they (like anything else) will fall off after six years. This includes a CCJ or its' equivalents I believe. I'm not sure who you should contact on that matter, but I think I'd try the court first.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
31/05/2012 3:09 pm
I agree - your credit file will only show events over the last 6 years, nithing stays on there for longer, including a CCJ/decree
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
Topic starter
31/05/2012 7:04 pm
Thanks for the replies.
I have recieved a letter from welcome today saying that the are unable to right the debt of at the moment as there is currently a dispute with some of my creditors and my trustdeed over final dividends and they recommend i contact my trustdee is this normal???
thanks in advance
31/05/2012 8:40 pm
Hi there.
I'm not sure this is necessarily "normal", but neither is it anything for you to worry about either.
The only negative implication is that certain aspects of your credit record may take longer to be updated.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
