![]() You'll also find other types of credit such as mortgages and even mobile phone contracts may be harder to get.Īny creditor who checks your credit file in this time will see the default. This means it’ll be harder to get credit cards, loans or bank accounts because the default tells the creditor there’s a greater risk of you not paying. The wording of default notices was set in a 1983 law, before free debt help from charities like us was widely available.Ī default will appear on your credit file for six years, even if you pay off the debt in full. The deadline to make this payment – you must get at least 14 days to do thisĪn information sheet from the Financial Conduct Authority (PDF) will be enclosed with the default notice recommending you get free debt help, from us or another charity.Ī default notice will suggest you contact a solicitor or Trading Standards for help.How much you need to pay to bring your account back up to date. ![]() The default notice will also give you the following information:
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