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    • Hi all. Apologies for the delay. I was writing the timeline out, taking a while as I was checking everything against emails etc… then suddenly today the parcel started tracking again and appears to be magically found and back enroute.    I’ll post up the tracking info screenshots in a sec which kinda summarises the timeline - during the multiple “Enquiry Raised” events there was a lot of emails (most of which were ignored by Evri) before they finally admitted it was lost. And yet now it is back enroute. Utterly unbelievable 🤦🏻‍♂️ So no letter before claim has been drafted just yet…
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    • I just checked the last email from them that I printed out.  It was directing me to a link to files as part of a data SAR (which I never called my request; they did). The email says the link would expire in 3 months.  Now my computer crashed later in 19.  I lost a lot of info. I need to check storage for old hard-drives to see if I downloaded and saved whatever info was in the link.   I have 1 other printed out email from my friend who was a broker. It was dated apx 6w after my first email to broker.  Friend was telling me what to include in a letter to compliance dept.  I don't have a printed copy of my letter - so can't remember if was entitled formal complaint - or their reply.   Will check storage later.  If I have anything useful I will post
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halifax card default, now with 1st credit, paid but still shows defaulted!!


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Hope someone can help.

 

After seeing my credit report recently there's a debt on there with a debt collection agency which was settled in 2013.

 

It shows as settled with the company that the debt was with on my credit report but it shows as a default with the debt collection agency.

 

I have contacted them by phone and I gave them proof and 14 days in writing to remove the default and they have still failed to do so.

 

What should I do?

 

Thank you.

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Hi

If a default is placed correctly, this stays on your file for 6 years from the date of insertion. Even if you pay it off in full, the default remains but is marked as 'settled'

 

They won't remove a legitimately placed default, even moreso as they have no incentive to do so as you have paid it off

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Hang on SF - its defaulted with 1st credit even though its been paid off...

I think the default is there incorrectly as it s showing incorrect.

 

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Hang on SF - its defaulted with 1st credit even though its been paid off...

I think the default is there incorrectly as it s showing incorrect.

 

Oh yes,missed the obvious! If Worst Credit had bought the debt, their name would show as the creditor. I think a screenshot of the credit file (suitably redacted) is needed to ascertain what is what

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If the account was paid up and settled after the default was issued by Haliax, then i can see no reason why it was assigned to 1st crud as no debt exists.

 

Saying that if the debt was settled after the default was issued by Halifax, that default will still remain for six years, even though marked as settled

Edited by obiter dictum
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I can't remember now but it was probably paid after being transferred to 1sr Credit, I just presumed that as it has been settled with Halifax it would show on my credit report as being settled with 1sr Credit Ltd as well rather than it showing as a default? Because why is the Halifax one settler but the other one showing as a default?

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doesn't matter if its paid off

a default was issued by the original creditor.

 

 

it stays regardless to whom owns the debt now.

 

 

shame you got fleeced of that money

wasted sadly

paying of a debt that has a default does not improve your rating.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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doesn't matter if its paid off

a default was issued by the original creditor.

 

 

it stays regardless to whom owns the debt now.

 

 

shame you got fleeced of that money

wasted sadly

paying of a debt that has a default does not improve your rating.

 

 

dx

 

Ok, but why does it show as settled with Halifax on my credit report but not with the Debt Collection Agency? Surely it should also say settled?

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OK but it makes no odds

Won't improve your score any

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok, but why does it show as settled with Halifax on my credit report but not with the Debt Collection Agency? Surely it should also say settled?

afaik, when a matter gets sold on, the orig creditor account there on file gets shown as settled. the new owner then puts their name on it instead (but they cant extend any default date).

once paid, yes, the new owner shld mark it as settled. but, as has been said, if its still within the default period, then the default will stay until its 6yr end.

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afaik, when a matter gets sold on, the orig creditor account there on file gets shown as settled. the new owner then puts their name on it instead (but they cant extend any default date).

once paid, yes, the new owner shld mark it as settled. but, as has been said, if its still within the default period, then the default will stay until its 6yr end.

 

OK thank you for all of the replies and help.

 

I'm just trying to improve my credit score, I have got 3 defaults on my report, they are from 2011-2013, since then no problems and my score is going up slowly.

 

I'm not on the Electoral Roll but will be from next month, will this improve my credit score?

 

Sorry to go off topic.

 

Thanks.

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yes being on voters will vastly improve your score

 

 

but it might be a slow climb

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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afaik, when a matter gets sold on, the orig creditor account there on file gets shown as settled. the new owner then puts their name on it instead (but they cant extend any default date).

once paid, yes, the new owner shld mark it as settled. but, as has been said, if its still within the default period, then the default will stay until its 6yr end.

 

My understanding of the credit file rules are that if a debt is sold to a DCA, they replace the name of the original creditor with their own, not create a new listing. It seems that there are two listings. One showing the original creditor which shows as settled and the DCA one. If so, the original creditor one should go as otherwise this will show that you have two defaults and not what it should be. One.

The DCA listing should be the one showing as settled.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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This happens all the time and is the basis of my recent case against BC, exactly the same reason, CRA shows 2 defaults for the same account because BC never removed the data when it was sold to HPH2, who then reg another default

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thats what i said in my post '...the orig creditor account there on file gets shown as settled. the new owner then puts their name on it instead'. ie there shld be one default (if applicable) in the end. and, if the amount has been settled, then it shld show as so!

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you quite usually get 2 entries for the same debt when its sold on

it doesn't hurt the file any more only 1 default counts anyway

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I can say for a fact this credit score busines pushed by the credit agencies is all bogus in reality.

 

I have no CCJ or Defaults now, on the electoral register and yet still have a poor score with the credit agencies. I have a vanquis and Capital one credit card with a combined avaliable credit of 5k. Furthermore, an ARGOS store card with a £500 limit and Creation finance with curries retail a revolving credit of 2.5k.

 

Even with a poor score i have no problems obtaing credit.

 

The secret is to never miss a repayment, keep to your avaliable credit balance with small purchases and never over-extend with that avaliable credit.

All potential creditors want to know is your previous repayment history and if you are a sutable risk.

 

Even if you have adverse markers get youself things like a mobile phone account etc and start building those positive repayment markers. Well this is in my case anyway

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