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CCA and Default - Capquest and EGG Credit Card debt


redzman
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Hi, am new to forum and could do with some help.

 

I sent a cca request to a dca that was chasing an old debt

 

 

after a few weeks they replied saying they couldnt provide the docs requested and as such would not ativley look to pursue this debt,

 

 

after which I stopped payments on my debt plan.

 

On checking my credit file a couple of months later it seems they have registered me as missing 2 payments,

 

 

can they do this and then issue a new default?

 

 

I beleive a default was registered against the old debt which is now coming up for 6 years

so I dont want another one.

Is there anyhing I can do?

 

Any advice would be much appreciated.

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I beleive a default was registered against the old debt which is now coming up for 6 years

 

Hi & welcome to CAG,

 

A debt cannot be defaulted twice, you need to obtain a copy of your credit file and the original debt should show if under 6 years of age.

 

Write a letter to the DCA informing them to remove the credit reference entry, if they refuse then complain to the Information Commissioners Office & the FCA.

 

Which DCA is it btw?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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what the debt and whos the DCA

 

 

names names

 

 

they can mark your file yes

but they cannot change the original default date issued on the credit file by the original creditor

 

 

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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