I sent another SAR request to Vanquis, because I threw the other one away.

I was hoping that there would be some info on the default.

There is nothing to do with a default being registered.

I've even studied some kind of computerised gobbledygook

and there is absolutely nothing on there that shows a default.

Surely it must be noted somewhere?

Can anyone help?

comms or account log usually

dx

comms or account log usually

 

dx

Yep it's the comms/account log that I've been looking through. I know the exact date of the default but there is nothing on the log reporting a default on that date or even near that date?

have you 1,2,3,4 etc on the CRa file for that time if you have it?

dx

Yep it's the comms/account log that I've been looking through. I know the exact date of the default but there is nothing on the log reporting a default on that date or even near that date?

It is often more effective to be very specific regarding the data you want otherwise creditors will take the view that some documents need not be supplied, e.g. Default Notices and NOAs which are nor archived as hard copy.

have you 1,2,3,4 etc on the CRa file for that time if you have it?

 

dx

Sorry Dx

Not sure what you mean? I've had a look on my CRA File and if the 1,2,3,4 is reference to late payments before the des fault then, there isn't. Basically, it shows 2013 as a series of boxes. They are all white apart from May where it is red with a big fat D in it.

Sorry Dx

 

Not sure what you mean?

Missed payment markers on CRA entries.

Missed payment markers on CRA entries.

Hi brig

basically, it shows 2013 as a series of boxes. They are all white apart from May where it is red with a big fat D in it. Cabot now own the debt so that may be why?

Hi brig

 

basically, it shows 2013 as a series of boxes. They are all white apart from May where it is red with a big fat D in it. Cabot now own the debt so that may be why?

That's how it should be, it the default date the same as the original?

I'm trying to get a copy of the default notice, so I can

A) confirm the date and

B) where it was sent because I don't remember ever receiving one. And

C) if I ever got a termination notice and NOA.

I contacted Cabot and this is what I got back:

Dear Mr Eagle

Thank your for your email.

Your account was opened with Vanquis on ** January 20** and defaulted on ** May 20** with a default balance of £***.11.

Cabot Financial did not purchase the account until 25 February 2014 with a book on balance of £***.77.

The Default Notice letter will have been sent to you by Vanquis

and whilst we will request the date that this was sent to you,

they are under no obligation to provide us with a copy of the letter.

Vanquis will have updated their default on your credit file to reflect that the account has been sold and,

therefore, has a zero balance.

Once fully repaid, Cabot Financial will update their default to Satisfied, to reflect that the balance has been repaid.

We will request the Default Notice letter date from Vanquis and advise you accordingly as soon as we hear from them.

Yours sincerely

Cabot Financial

That's how it should be, it the default date the same as the original?

What is the default date (since changes were made to the way CRAs report defaulted/sold on accounts both the OCs and the debt purchasers entry are shown side by side) shown on the original entry.

Please be aware that the date of a default notice is Not the date a default is placed on the account this could be up to 6 months later.

There may well be no hard copy of any DN as these are not routinely archived as hard copy, all the creditor does is record the fact was sent on a specific date.

You have the default date shown on Cabots letter, if it is specifically the address to which a DN was sent

you require it will be the last known address that the creditor held.

What is the default date (since changes were made to the way CRAs report defaulted/sold on accounts both the OCs and the debt purchasers entry are shown side by side) shown on the original entry.

 

 

Please be aware that the date of a default notice is Not the date a default is placed on the account this could be up to 6 months later.

Equifax show the default date as 31/05/2013. There is nothing to indicate that Vanquis were the OC. Just says credit card by Cabot.

I'm sorry to keep going on but as I stated earlier I never recall receiving a default notice or a termination notice or a NOA. Mackenzie Hall were originally chasing this debt on behalf of Vanquis.

On 18/09/2012 I informed Vanquis I had moved into my current home. This is clearly stated on their comms log.

I have a letter from Mackenzie Hall dated 02/09/2013 this letter was sent to my old address. That is over a year after I had informed them that I had moved. So my guess is, the default notice etc, has gone to my old address and that's why I never received anything.

Equifax show the default date as 31/05/2013. There is nothing to indicate that Vanquis were the OC. Just says credit card by Cabot.

 

I'm sorry to keep going on but as I stated earlier I never recall receiving a default notice or a termination notice or a NOA. Mackenzie Hall were originally chasing this debt on behalf of Vanquis.

 

On 18/09/2012 I informed Vanquis I had moved into my current home. This is clearly stated on their comms log.

 

I have a letter from Mackenzie Hall dated 02/09/2013 this letter was sent to my old address. That is over a year after I had informed them that I had moved. So my guess is, the default notice etc, has gone to my old address and that's why I never received anything.

Just another quick note.

My dad has the same name as me and

on the 11/11/2009 they called my parents home and spoke to my dad.

Thinking it was me

they discussed my account with my dad.

Once my dad explained he was not me and in actual fact it was my son they require,

and the possibility that they have just broken the DATA PROTECTION ACT,

the advisor couldn't get off the phone quick enough.

I've just called my dad and he remembers it well.

They failed to ask any security questions!!

Oh, and it's all noted in their communication log

Just another quick note.

 

My dad has the same name as me and

on the 11/11/2009 they called my parents home and spoke to my dad.

 

Thinking it was me

they discussed my account with my dad.

 

Once my dad explained he was not me and in actual fact it was my son they require,

and the possibility that they have just broken the DATA PROTECTION ACT,

the advisor couldn't get off the phone quick enough.

 

I've just called my dad and he remembers it well.

They failed to ask any security questions!!

Oh, and it's all noted in their communication log

Probably only the basic "question" " am I speaking to Mr xxxxxx" was asked.

own thread created

dx

Probably only the basic "question" " am I speaking to Mr xxxxxx" was asked.

Yes that's correct. He obviously said yes because that is his name. She then continued to discuss the account. Surely this can't be right?

I have been looking through the activity log again today.

It is noted on there that I wrote to them in 2012 and changed my address.

This is clearly indicated on the activity log.

However, they continued to write and send debt collection letters to my previous address.

The problem is, as I have stated my previous address was my parents.

And my dad had the same as me.

So, innocently enough he has been opening the mail.

This would be why I never received a default notice, termination notice or NOA.

To summarise:

1) they have discussed my account with my dad.

2) have not updated my new address despite it being clearly indicated on their activity log.

3) sent statements and debt collection letters to my previous address which was opened and disclosed account information to my dad.

4) I never received a default notice, termination notice or NOA despite there being a default issued against me.

I called the ICO helpline today and

the advisor stated that they may have breached the fourth schedule.

My concern is that the advisor said that the credit provider does not need to send a default notice

because I had signed a credit agreement stating they can put the notice on without notification.

Personally, I don't think this is correct?

I have been looking through the activity log again today.

 

It is noted on there that I wrote to them in 2012 and changed my address.

 

This is clearly indicated on the activity log.

However, they continued to write and send debt collection letters to my previous address.

 

The problem is, as I have stated my previous address was my parents.

And my dad had the same as me.

So, innocently enough he has been opening the mail.

 

This would be why I never received a default notice, termination notice or NOA.

 

To summarise:

 

1) they have discussed my account with my dad.

2) have not updated my new address despite it being clearly indicated on their activity log.

3) sent statements and debt collection letters to my previous address which was opened and disclosed account information to my dad.

4) I never received a default notice, termination notice or NOA despite there being a default issued against me.

 

I called the ICO helpline today and

the advisor stated that they may have breached the fourth schedule.

 

My concern is that the advisor said that the credit provider does not need to send a default notice

because I had signed a credit agreement stating they can put the notice on without notification.

Personally, I don't think this is correct?

Morning Eagle,

Yes probably a breach of the 4th principal, but mitigated perhaps by the "name" scenario.

The DN statement I agree is odd, this is a CCA 1974 regulated agreement so a DN is required.

A robust formal complaint at "director" level is needed now.

Thanks brig,

I'll just wait until I get all the documents I require then I'll go for the formal complaint.

Eagle

A client I worked for used to sublet their office to these people. Some of the nicest people I've met.

A client I worked for used to sublet their office to these people. Some of the nicest people I've met.

Hi JoeyJoeC

Not sure who you are on about?

Eagle

A client I worked for used to sublet their office to these people. Some of the nicest people I've met.

And the relevance of this is??

And the relevance of this is??

I've got no idea brig? Seems quite strange to me

Eagle

Can someone give me some advice on this. This is supposed to be a CCA from Vanquis?

pdf please