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old defaulted speed credit entry causing issues


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Hi, I apologise in advance if this is some what confusing, so here goes.

 

3 years ago I took a loan with Speed Credit which was subsequently passed to Marshall Hoare Bailiffs.

I kept up regular payments until I received a call saying they had gone into administration

and would need to wait till someone bought the debt to continue my payments.

 

I was contacted since then by Digital Finance Services via email telling me they had bought the debt and I owed x amount,

I replied saying that was fine but I wanted it in writing rather than via email confirming this. Never heard anything.

 

I have since sorted all my finances out and have a very well paid job that has enabled me to build a healthy savings account and current account.

 

 

today I went to get a new car and was refused credit which confused me

 

 

I checked Noodle and saw all these missed payments because of the above mentioned debt.

Where do I stand as I have never missed a payment went it was due and it is not my fault the firm collapsed.

 

 

Any advice would be much appreciated.

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Quite how MH Bailiffs got involved is anyones guess, probably because they were carrying out consumer credit activities when they were not

authorised to do so!

https://www.fca.org.uk/news/warnings/marshall-hoares

 

For that little trick, you need to make a formal complaint to the FCA.

 

Here's another thread about these loan sharks...http://www.consumeractiongroup.co.uk/forum/showthread.php?429209-Digital-Financial-Services-claim-to-own-SC-Debt-of-%A33000

 

Whose name is next to the default marker?

 

You will need to communicate with them via letter ONLY, and start a dialogue with them.

What's the date of the default marker?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I wonder if there is worth here in sending the registered owner of the debt

on your credit file a CCA request?

 

 

then when they fail this

demanding the CRA file account is totally removed?

 

 

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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