F&F Showing 6 years from settlement date?!

A question about : F&F Showing 6 years from settlement date?!

Hi All,

Long time lurker here...

My OH was talking to a DCA last night and was in the process of agreeing a full and final figure to pay the balance off. The chap on the phone agreed the figure but with a condition I've not heard of before, the partially satisfied mark will stay on her credit file for 6 years from the settlement date (this account defaulted 4 years ago!) Is this correct, I assumed this was just a blatant lie by the DCA to extract the full balance so has something changed?

As far as I'm aware a defaulted account drops off the credit file after 6 years no matter what happens.

Clarification would be great before we go back to confront them.

Best answers:

• https://www.consumeractiongroup.co.uk...ettlement-date
  Bit of a grey area, personally I would just wait out the 2 years for it to drop off and not pay a penny.
• If the account wasn't defaulted it would.
  As it was defaulted, the whole account, default, and every marker is removed 6 years from the default date.
  NO EXCEPTIONS.
  Quite literally nothing will remain to show the account ever existed. Certainly not a partial settlement marker.
  The DCA employee is talking through his posterior in this case.
• Thank you!
  As suspected, I look forward to giving them a call myself later (said nobody ever, but in this case... )
• Quite possible they will stand by their nonsense, but please be assured it is simply not true.
• Just a quick update for those interested, I spoke with the DCA last night (a different employee) and they confirmed that it was indeed incorrect to suggest the partially satisfied mark would remain on the credit file for 6 years from settlement date. Thanks for your replies.
• At least 1 out of 2 got it right then.