This is another of those, get info from the companies, then report back here situations huh? On it!

Can I CCA this company to find out if they have already defaulted me in the past? I suspect they have just checked clearscore and the pot thickens Clearscore show the account since 2013. It shows as no payments missed. Then in September 2017 the payments stop. It dosent show late or missed, just stopped. In noddle it shows from November 2017 as a straight default. No payments before this date. According to stepchnage there has been no break in payments. Whats going on? And how do I fix it. Im 5 years into a DMP, where my defaults are starting to drop off. This puts me back 6 years....

Sorry for any confusion. Here is an edited version, making what the girl said more explicitly clear: Hi everyone. Need some a little bit of help. Got a letter from westcot, saying my account with them had been fully paid, and was now closed. And to stop making more payments to them. Also it said the balance was: minus £303. Phoned them up as I thought there was more to pay on this, and the lovely lady, after putting me on hold for a while, explained: "The originator of the debt had informed them, the debt had been paid, but then retracted that message 3 days later. She would contact the debt originator, to get an explanation. But there was still £1400 owing" Where does this leave me? I have a letter saying the debt is cleared. Can they comeback and say "oops, mistake, keep paying" or is the letter legally enforceable? In the eyes of the law, is the debt now clear? Thanks doomsponge

So what to do? I got into financial issues in may 2013. i almost certainty would have defaulted a couple of months later. Write to them and ask why they waited so long to default me? Or just CCA to get more info?

Fair point. I suspect you may already know the answer to your question. Where do I start? From looking at my credit report, some things have dropped off that im paying for. CCA to the owners of the debts, then post up the results?

I opened it october 2012. Its to the original creditor not a DCA.

really? The girl on the phone did say that the letter was a mistake and there was still money owed. Does this letter trump all others?

Hi Everyone A default has effectively just appeared on my credit record. Its for Shop Direct Finance Company LTD Account was opened on 10/10/12. Default showing as registered on 24/10/18 The status history on noddle starts with the default. There is no information going back beyond the date of the default. Ive been paying a DMP through stepchange, and i have 2 payments for Shop Direct Finance Company LTD. Another one, and I assume this one. Although the account numbers and amounts dont match up. So it might be an entirely new one. This seems like either a mistake or a rather cynical attempt to default it before it drops off my credit file. Which seems like a punish me rather than a serious attempt at debt enforcement. Im also not sure if they hadn't already defaulted it. As if they had it would have fallen off my credit report by now. Whats your thoughts?

Thanks for replying Its an old lloyds credit card. Defaulted just under 6 years ago. Paying thro stepchnage.

Hi everyone. Need some a little bit of help. Got a letter from westcot, saying my account with them had been fully paid, and was now closed. And to stop making more payments to them. Also it said the balance was: minus £303. Phoned them up as I thought there was more to pay on this, and the lovely lady, after putting me on hold for a while, explained that the originator of the debt had informed them it had been paid, then retract that message later. She would contact them, to get an explanation. But there was still £1400 owing. Where does this leave me? I have a letter saying the debt is cleared. Can they comeback and say "oops, mistake, keep paying" or is the letter legally enforceable? In the eyes of the law, is the debt now clear? Thanks doomsponge

Update. Arnold clark refused to accept liability. Car needed £500 extra work on top of the £2k. As a good will gesture they will drop the full bill to 2k. The offer contained the line full and final settlement. If I accept, can I no longer take them to the small claims court?

Surely the fact that they serviced it 2 weeks prior to the gearbox seizing, and where unable to find the issue is the focus of my complaint? There own report says "unable to fault noise" to my mind this means there was a noise, but they couldnt find the source or cause. Which logically means there was a fault before the service, and after, and they missed it. Leading to the now major repairs needed.

10k for the car. Car was serviced where I bought it. It came with a service plan. Manual. m going to have to take them to court. Thougjt that might be the case. Whats the procedure? Write a complaint to head office? When that goes no where, threaten the small claims court?

Hi everyone. Im needing some help. Bought a used car arnold clarke. 11 plate, 70k miles, scirocco. About 8 months ago. For 10k on finance. It had an issue with the dpf sensor, that was fixed under warrenty. 3 weeks ago, it started sounding rough on gear change, so I tock it in, for a sservice and mentioned to them the noise and roughness. They came back and said it was fine. No problem I thought. 2 weeks later, the gear stick stopped moving. I had to get it towed to the garage. They came back to say that the gear box would need replaced, as they had checked it, and it had no oil, due to a massive leak. £4k! Im not best pleased. They have advised they can get the gear box overhauled, at a cost of £2k. Plus, anything else they might find. The part that really gets me, is that I took it too them, with a gearbox issue and they said it was fine. The report I got from them, after the events, says "unable to fault noise". Which in my mind is different to "its fine". From the sounds of it, they didn't check the gearbox at all, when I initially asked them too. Leading to this. Ive asked another garage, about it, and they reckon the same. They also dont think they can fix the gearbox. So what do I do? Get arnold clarke to do the repair, and complain to head office? Small claims? Or trust my gut and take it somewhere else? Bare in mind it cant move.

hi guys. got a letter back, and the figures they have are all wrong, in there favor...... Even just looking at the amounts i have paid, and the amounts originally owed they have messed up the final amount. e.g 5-3=4 Ive written a letter asking for much more detailed info on it all, based on there mistakes, but should i just leave it and hope that if/when they take me to court the judge takes one look at there shoddy maths and throws the whole thing out? cheers