Hi

i got defaulted by Gothia on 2 accounts,

both for payday loans under £300,

one for wonga and

one for another company i can not remember as it was in 2010,

i have asked by phone for the defaults to be removed, they definitely no!!

can i ask for a default notice as i can not even remember getting them,

i have paid off one of the defaults and

i currently am paying off 20 quid a month for the other one,

which is down to 160 pounds at the min,

since it is such a small amount if i wrote them a letter do you think they might remove it?

they are the only two defaults i have plus i do not have any other debt with anyone else,

this is really effecting my credit at the min, can i do anything at all?.....

.. any advice would be appreciated, thanks

gothia

they are a dca they don't buy debts

something fishy here.

dx

It could of been when they where part of red castle as well because I remember I got a letter from them as well, i rang red castle in the past to sort it out but got no where they were really hard to deal with

stay off theat phone!!

dca's are NOT BAILIFFS

and have NO SUCH LEGAL powers.

dx

are you saying they do not have the right to default me?

Correct. Only the owner of the debt can do that. Not a silly dca. Check your credi file and make sure the owners name is correct.

how do you KNOW it was gothia?

did THEY send you a letter.

dx

here are the screen shots

I would suggest the OC defaulted this before they sold it

which leads to the question WHY?

dx

Can you give me some advice on what i should do next? thanks

pers i'd get all the statements from the OC

and find out if they've levied any penalty charges.

dx

OC as in original creditor?

sorry i am only new to this site and dont know the lingo,

do you mean if they have charged me any penalty charges?

are they allowed to charge me penalty charges?

is there anyway they can remove the default by law?

yes OC...

if you can PROVE the DN sum contained penalty charges

then after reclaiming the bad data MUST be removed.

pers i'd be reading a few of the threads here I the PDL forum

lots of info .

dx

ok well thanks for that info i will read into it

hi

i read some info about asking the company who issued the default to remove it,

i asked on the phone is there any chance at all and they said no chance, so what are my options?

thanks for reply dx

but i dont really understand your lingo sorry

i dont know whats dn means and what does pers mean?

dn does that mean default notice?

what someone give me the steps on how to remove this?

can i have to see the original default notice?

and if they have put extra charges on it can i get it removed?

pers = personally = MY VIEW nothing to do with the sites view or others view.

you'll need to see the full statement for the account

to see if they have added any sums which are a PENALTY for doing something they deem as wrong

late/overlimit/letter sending/telephone call chasing you. etc

IF they have charged you those

and IF that penalty is included in the default notice [did you ever get one?]

they it renders the default unlawful.

dx

ok well thanks for that info, i will write to gothia tomorrow asking for the original default letter and full statement for the account, do you know any quick links for template letters asking for the original default? plus could you point me in the right direction on this site as for to get help about a debt i went to court for, it wasnt a ccj but i had to start making payments directly from my wages every month, but their solictors have put on a massive amount of charges etc is there anyway around not paying that? thanks for coming back to me i will make a donation to your site

I think what you need to do is send a SAR .

can i not just request this info without having to pay these idiots more money? sorry it sickens me having to pay them money to see my details on the account, but if i have to do it to get rid of the default i will

The fee is statutory to cover the cost of preparing the SAR, if you 'just ask for'' data you will only get what the creditor wants to send you, not every thing.

i rang gothia and asked them to send me out the default notice and the original statement, i told them if they do not i will be putting a letter together with ten pounds requesting the statement legally, they said they will but i wont hold my breath, i also spoke to empingham, they told me that gothia employed them to chase the debt, the both payday loans where with quickquid and wonga, empingham and gothia said they did not put any charges on top of the amounts, they said it was only interest put on by the original debtor..... is there any templates on here asking for a dn by letter?

Thanks

The problem here is that DNs are not routinely held as hard copy, a note is placed on the debtors record that a DN was sent on a certain date, which is all they have to do.

Now they can and probably will produce any thing they like!

was sent on a certain date, which is all they have to do.

Now they can and probably will produce any thing they like!

So I should put a letter together and pay the ten pounds to ask for the original statement because they can write anything they like at this point

There is a template in the CAG library for the SAR use that, they have to supply all the data they have , this will include the statements etc.

just say they have done everything by the book, which i doubt, but is there any possible way they can remove the default?.... i will be using the sar asap, thanks