Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 9th September 2009 12:23 #1
    MadProfessor MadProfessor is offline
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    Default Default or not default

    I'm confused. I defaulted on credit card payments in 2003 and not continued paying them. However, my credit file keeps being updated with a new default every time the DCAicon which has "bought" the debt takes over the account.

    Can they do this? Also, they appear to keep transferring the debt between sub-companies and therefore renewing the default date which means it will never drop off my credit file. Can they do this as well?

    Any help would be much appreciated.

    Ta

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  2. 9th September 2009 12:38 #2
    BankFodder BankFodder is online now
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    Default Re: Default or not default

    they seem to do whatever they want. There is no clear ruling and there is certainly no control.

    Have you requested a copy of your CCA?

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  3. 9th September 2009 12:56 #3
    MadProfessor MadProfessor is offline
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    Default Re: Default or not default

    No I haven't yet requested a copy of the CCA because I'm new to this site (and all the great advice) but I was thinking that the debts may be over 6 yearsicon old now.

    I thought you could only be in default once for an account.

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE