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aa loan delayed default


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I have been in financial difficultie for a few years now and recently checked my credit file for a AA loan,

 

stupidly I only had 2 payments left on the loan for £230ish a month. I have checked my credit file and its shown 1 payment down for nearly 3 years and then they have defaulted it. I am not overly concerned as I intend to settle soon but just curious if they are allowed to do this.

 

just seems weird that they can keep an account and then default after 3/4 years??

my credit file shows as follows

 

Status history

 

 

2017 - Default

2016 - 1 down until November when it defaults

2015 - 1 down

2014 - 1 down

2013 - 1 down

 

for the record no payments were sent to this creditor throughout this time?

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its the defaulted date in the summary that s the important bit.

 

 

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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then you complain to the ICO with proof.

 

 

is this an old BOS AA loan?

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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Is the loan still with the original creditor owen ? or has it been assigned/sold to a DCA ?

 

How many payments/months did you miss ?

 

Did they send you a Default Notice ?

 

Andy

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I am not sure if it's with the original creditor it still shows on my credit file as AA financial.

 

The loan only had 2 payments left each payment was about £245.

 

Not received a default as far as I can remember.

 

Seems strange they can just leave it for 4 years and then decide to default

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So you have the evidence

Write to the AA demand the default is placed within 3 MTS of last payment or you'll complaint to the ico

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

So you have the evidence

Write to the AA demand the default is placed within 3 MTS of last payment or you'll complaint to the ico

 

Ok will do - is their any particular points I should reference in relation to defaults being placed within 3 months or is that common knowledge ?

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