Hi all, I've a general question and not sure where to post it, so Mods please move if I'm in the wrong place!

Since November 2009, my husband has been paying £120 per month to Moorcroft for an old RBS credit card debt.

My question is: why does his credit report on Noddle show "DF" (for "default") every month since November 2009? Surely, if he's been paying this amount in line with what he agreed with Moorcroft, it should be reflected in his credit report?

Any help or advice will be most appreciated.

well no as its still in default.

however 'markers' have no real impact

its the defaulted date in the summary that the important one.

tell us about the card please

how old

and do robbersway own the debt

or is it still listed with RBS?

dx

Hi, and thanks for your reply.

The debt is still listed as being with RBS

- or at least it was right up until this week,

when we received a reply from our letter to Moorcroft questioning the "default" markers.

It's now be removed entirely from my husband's credit report.

I'm guessing it's been removed while Moorcroft take the matter up with RBS

(as they've said they will do in their letter)?

The account is very old - originally opened in 1990,

and fell into default when he was made redundant in late 2008.

The balance was originally something like £11,000, but is now approx. £4,300.

ok so its now fallen off the CRa file

as the org defaulkt has reached 6yrs

never to return.

have you all the statements?

for a major bank to sell an £11k debt

there must have been something wrong with it I suspect.

not got PPI

or loads of £12 penalty charges have you?

if you don't know

i'd send RBS an SAR

i'd also be sending moorcrap a CCA request too.

dx

Hmm, that's a really interesting point about the PPI or late charges. Thank you. We'll send the SAR and CCA requests.

PS: no, there are no statements at all to be found anywhere.

I really hope that the debt is still with RBS

and its not been sold on

and your payments to moorcrap

have all been going off the debt to RBS

sadly I have my doubts on the latter

strange you've not been getting statements mind.

have always lived at the same address?

dx

As far as I'm aware, the debt has been sold to Moorcroft as my husband doesn't get any communication from RBS at all. We moved from Berkshire to Essex in 2009, and my husband let Moorcroft know of his new address, so all we now get is a yearly statement from Moorcroft (although we have access online to his account with Moorcroft to view payment dates and account balance).

if that cra file of last week

listed the owner as rbs then its not been sold.

dx

Yes, it was definitely listed as "RBS". How odd, then, that we only ever get communication from Moorcroft and nothing at all from RBS.

urmm

ok I suspect you never informed RBS or any of your creditors of your new address

which you legally should do.

ofcourse, Moorcroft would find you or quickly contact you to find that out

but they are not obliged to tell RBS..funny game.

I hope you've not been paying/corresponding via the phone with moorcrap?

they are a DCA

DCA's ARE NOT BAILIFFS

and have NO SUCH LEGAL POWERS.

dx

My husband only informed Moorcroft of our new address, but not RBS

- he just thought Moorcroft were the only point of contact.

He (I, on his behalf) correspond with Moorcroft only via letter, never by phone.

My husband isn't particularly au fait (nor even really interested) in dealing with this debt to any great degree,

he's happy just to keep plodding on paying them their £120 a month, which he's been doing since 2009.

When the debt first arose, he was very panicked, unemployed, going through his father's sudden death

and in the midst of some quite severe emotional and financial turmoil

- he had no idea that consumer credit law exists to protect the consumer from sharks like Moorcroft,

nor the mental reserves with which to argue with them.

I was much more savvy about it, having been through a business failure and bankruptcy

- although being as we weren't yet married, nor living together at that point, he didn't tell me much about his finances.

He doesn't receive phone calls from them, only the very occasional letter saying

they're open to negotiating a figure to clear the debt, which he never responds to.

What he's concerned about, now, is that we may be looking to purchase a property next year,

but with damning defaults such as this on his credit report,

I suspect we'll be lucky to get anything like a decent rate.

Then again, the record will be 6 years old by November next year, and so will naturally "fall off" his record anyway.

I thought you said the debt had already dropped off?

goes on the defaults 6th birthday.

ok its good your ok with dealing with them.

ofcourse if Moorcroft have offer a discount again that's a sign of lots to reclaim!!

also look at their letters

it will say 'our client' that should give away the true owner.