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    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
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    • HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker.  Indeed, but if the Ombudsman is prepared to accept the complaint, it would be about the advice given by the broker and their paperwork, wouldn't it? You seem to be asserting that the problems you've had stem from their bad advice. HB
    • Aesmith - wanted a btl was placed with a bridge.  The broker did no affordability check, no fact find, no income check, they filled in all the forms - just sent the signature page to sign. The question was/ is - with a high-paying short-term tenant in situ and a history of other high rentals should they have been able to secure a replacement btl?  I'd had a btl for donkeys.  The valuations were way off for the bridge.  As was discovered down the line. HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker. 
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        • Like

Minicredit/Opos/Kapama default on noddle file.


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Good afternoon.

 

I am back under anew guise.

 

I posted last year about a Minicredit default a £200 that ended up a £1200+ one after non payment.

 

 

I hate the companies & now the default stands at £522 with Kapama & shows 5 years of non payment on my noddle file but is not present on my Experian or ClearScore files.

 

It's on there till march 2018.

Do I let it slide,

 

 

I've still been getting voicemails from Opos demanding to speak to me

(I blocked their numbers so that's their best way of trying to get in touch with me)

for all I care they can do 1.

 

Will that default disappear in a years time.

 

I've a couple of other issues but that's 1 I'm looking to clear up for now.

 

Thanks in advance

 

Rob

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It will disappear on its 6th anniversary, never to return, unless they begin legal action.

Do they have your current address?

Many a backdoor ccj has been obtained at a debtors previous address.

Consider sending a CCA request which will make sure they have your current address.

If its in its last year before dropping off then i would expect activity on the account to increase and if they only have an old address because its not been updated or you havent responded in some way then a claim may well be issued to the old address which you will know nowt about until they have a judgement.

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Ok thanks for that. The default itself is registered to an old address of mine for when I lived at home. Because of prior experience with myself they are walking on eggshells with me as it is & ive a good mind to start picking up the phone to them and god help them for what would come out of my mouth but that won't solve anything.

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Nope, it rarely does. Best to keep any communication in writing only, makes a good paper trail for later should you need it.

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Rob I note thats your real name ..perhaps think of an alternative to protect your anonymity...PM me your preference.

 

Regards

 

Andy

We could do with some help from you.

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  • 4 weeks later...

Hi there everyone thanks for the replies.

 

Now I think I'm gonna leave that default where it is.

 

Now onto my other question.

 

I have missed payments in the last 6 months.

 

How long are they likely to affect my credit for because i got declined for an Argos card & Lloyds bank overdraft.

 

Many thanks

 

Rob

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Anything on your credit file, defaults, ccj's, late payments even closed accounts will stay on file for 6 yrs.

Credit searches are generally there for 2 yrs

PLEASE HELP US TO KEEP THIS SITE RUNNING

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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Rob I note thats your real name ..perhaps think of an alternative to protect your anonymity...PM me your preference.

 

Regards

 

Andy

 

Named changed given you have not made any response to my last post

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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what was your old username?

 

 

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Minicredit+default+a+%3F200+that+ended+up+a+%3F1200&sa=Search+CAG#gsc.tab=0&gsc.q=Minicredit%20default%20a%20%3F200%20that%20ended%20up%20a%20%3F1200&gsc.page=1

 

 

any of these?

 

 

however yes your correct it will drop off the file on the defaults 6th birthday.

doesn't mean its not owed mind...............

 

 

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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