i have had a couple of old PDL's and these have just resurfaced texts/emails.

History is..

Last payment 20th December 2012.

17/12/12 - i asked about rolling over (ignored and went into default)

24/1/13 - called and emailed and asked to come to a repayment plan

25/1/13 - email received offering me 'resolve' with more money - never took but emailed and asked to come to arrangement - but again ignored.

28/1/13 - another 'resolve' email and i replied asking not to do this but come to arrangements - ignored again.

all quiet..

11/7/13 - offered resolve again. I emailed asking why no one would come to arrangement and i was keep being offered resolve.

15/7/13 - received a response saying they could come to a payment plan - i emailed and asked for details on how much i owed etc and what resolve was - this was ignored.

24/2/14 - received another email offering 'resolve' but no answers to my questions.

15/3/14 - received yet another 'resolve' offer and click 'here' email

19/3/14 - i emailed back and said they were out of order pursing the debt whilst not giving me any information etc and i would report them if i didn't receive the information back.

11th may 2016 - received a email saying 'redress' and i now owe them less money due to a review on my account..

August 2016 -

Email received saying they are going to default me if i don't pay the sum due in 14 days (now had the default email).

Texts also started and calls...

I don't want a fresh default (3 year and 9 months after last payment) - and they had total ignored my previous requests and tried to trap me in previously with 'resolve'..

To date not on my credit files.

Reading through here it seems they are sending defaults out on mass now - which can't be right.

I owe around £600 - but these people are very aggressive to deal with when you do speak too (not that i will now)..

Ironically, i would have paid if they had helped me at the beginning but its getting silly now.

How do i sort this out once and for all?

we haven't had any reports that they actually have placed a default on the credit file

and as they were not? the original creditor ?? they cant do that anyway

the ICO/FCA will eat them for breakfast.

CFO are the original creditor - as they are the PDL i used.

Any recommendations how to play this - do i write to them with copies of all the emails i sent / received offering Resolve and make a complaint / report them to FCA for dragging on and then 'defaulting' the account 3 + years later? What next a CCJ claim from them - bring it on - i will fight them.

Looks as though now CFO are out of business, but trying to collect from old customers - very shoddy outfit of a company.

Any text messages they send you simply forward them to 7726, (SPAM) on your phones keypad.

Any calls they make, ignore, or laugh and hang up.

Well still getting emails from these guys and texts offering a settlement.

Interesting thing is whilst they said they were going to default me in September.....I have just had a look at my Experian report (free trial) and they had actually placed a default in 2013.This is not showing on Noodle.. They had defaulted the account at the same time as offering me 'resolve'.

So slightly confused by the threat of a default when they had actually already defaulted.

I wonder if the next step is court action..

Mark their silly emails as junk.

The Text messages forward them to the number advised above.

All they are simply doing is trying to intimidate you and exploit your lack of knowledge, so you contact them, oldest trick in the book.

If they were that interested then they would have taken action a lot sooner.

Just a thought - looking at getting the default off my credit file;

* original default placed 4/2013

* CFO threaten to actually default account 9/2016 - even though they already had placed?

Could I not argue the above? Along with the correspondence I had at the time?

Sound to me as if the default is in order although on the fringes of legality, the only difference being that they are now reporting these to a CRA

They know that they can not place a default so late so they adjust the time to say 90 days after the missed payment and report it.

I do think the sis wrong and they are using the threat of a default as a debt collecting tactic

Thanks Fletch70.

Although I do wonder why they registered a default 04/2013 and yet sent me a default notice dated 09/2016....

The two things are different . A default notice served under s87(1) is needed before a claim is made while a notice to register a default is just that. I suspect they know full well they can not register a new default so are just I find Remington you they are reporting it.

Someone did it with me a while ago so I told them it was far to late to register a new default to which they said it would be dated 6months after my missed payment. I have not seen a sign of it.