A friend of mine incurred an old credit card debt on a Barclaycard
Visa United Kingdom contract. She defaulted on repayments about 6.5
years ago and has been non-resident in UK since that time. I need
definitive advise as to the UK Statute of Limitations with regard to
this. Also info as to how to go about sorting out her UK credit
rating.

Good morning!

According to the FAQ at CAledonian Express, a UK credit information
service, if an account has a default notice sent (the equivalent of
being sent to collections in the US), it must, under the UK's Consumer
Credit Act, be removed from the consumer's credit file after 6 years.

"Defaults - FAQ"
[ http://www.express-finance.co.uk/qanda/faq-default.html ]

The first step for anyone trying to get their credit sorted out is to
obtain a copy of your credit report.  Your friend can obtain a copy of
her UK credit report through any of these sites:

"CheckMyFile.com"
[ http://www.checkmyfile.com/ ]

"Free UK Credit Report"
[ http://www.capitol-debt-resources.net/free-credit-report-uk.htm ]

"Graydon UK"
[ http://www.freesearch.graydon.co.uk/HomeExchange.html ]

For more information about credit issues in the UK, including how to
repair one's credit, the UK Mortgage and Loan company provides a
complete FAQ, as does Caledonian Express:

"UK Mortgage and Loan"
[ http://loanapps.co.uk/uk_credit_record.shtml ]

"Caledonian Express"
[ http://www.express-finance.co.uk/qanda/bbs.html ]

Search terms used included ["bad debt" UK], ["credit rules" UK], ["UK
credit report" free]

Best of luck!

missy-ga

---

Clarification of Answer by missy-ga on 02 May 2002 05:05 PDT

One other credit repair information resource:

"Insolvency Helpline"
[ http://www.insolvencyhelpline.co.uk/ ]