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Paying payment plan but credit file still shows default each month - Santander credit card.


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Hi,

 

I'm helping my partner sort out his debts

- he has a debt which has been taken over by Moorcroft.

He's been paying the agreed amount (£15 a month) since October 2010.

 

I've been showing him his credit report and how that works etc

- and we have realised that this debt is marked as 'default' every month even though he has been paying the agreed amount.

 

Is this right?

I thought if you pay an agreed amount (even if it is reduced)

then it would not show as a default,

or have I got that wrong?

 

Thanks in advance :)

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as a reduced amount is being paid, then the placement of markers is correct

as the orignal agreement to pay is not being met.

 

however, can we have the history on this debt please?

 

whose is shown as the owner on his CRA file

and what was the orignal debt about?

 

ideally, you should NEVER pay a dca....

 

how did they spoof you into paying?

 

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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Thanks for your response.

 

The original debt is a Santander credit card. It still shows as Santander on noddle.

 

My partner set up the payment before I started helping him with his debts,

he set it up because they asked him to,

he knows he owes the money

knows he had to pay it eventually,

he set up an amount he could afford.

Should he not be paying this then??

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pers i'd ignore the dca

 

and get reclaiming those fees

 

pay what you can affford even if its only £5

 

but only pay the OC

they own it not the dca.

 

they have NO legal powers at aLL

 

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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Hmm ok I'm going to have to sound dumb now....what fees?

 

Also,

some of his debts (with various collection agencies) are not showing on his credit report...

.so does this mean the original company is still the owner of the debt?

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how old are these 'other' debts

could they have been defaulted more than 6yrs ago and dropped off.

 

as for fees

i would suspect that if a creditor is marking his file then they will be charging a £12 PENALTY fee

 

got the statements?

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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Share on other sites

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