Asking on behalf of a friend who is trying to sort her finances after a recent separation.
She has a defaulted debt on her credit file which is due to drop off at the end of this year as default date is November 2012.
However there is a note attached to this debt saying this is being paid off as part of a debt management plan ( Stepchange).
Does anybody know if this will this affect the drop off date as she is still paying it off or does it still drop off the file automatically when the 6 years is up regardless of the fact that it is under a debt management plan?
I'm trying to help her sort her finances as her head is a mess with the shock of her DH leaving and we have had no success getting through to Citizens Advice.