Ive just tried to log into the old JDW Account and it does seem to be about right,

give or take a month or two,

it may have been 2011 but i dont think it was before that.

I can probably be more certain when i get home tonight and dig out some docs,

i might have put the wrong dates further up.

If i remember correctly i opened the account 2012 (ish) ran into probs 2013 and started reduced interest free payments

which ive been paying ever since until they sold it to 1st recently.

Does that sound clearer? Prob me confusing the issue!

well it cant be defaulted 6yrs if its only from 2012

it looks like JDW has sold the account on and closed it without defaulting it?

on the closed account entry

is there a defaulted date listed.

OK - have found a bit more info!!!

I use clear score,

i dont know if thats any use

- if you think theres a better one please let me know.

It doesnt mention anything anywhere about a default and the payment history show as all up to date but it says the account was opened 12th June 2010.. so i was a bit off there!

Could you point me in the direction of some templates please?

(i have looked already but failed to locate the correct ones i think)

- am I correct in thinking i need a failed CCA letter and possibly an account dispute letter too? As i said i have to maintain my credit rating.

Thank you for your help

No such thing as a failed CCA request letter...they have had it...they have not complied.

Andy

go ring simplybe and ask what date they defaulted the account

thanks Andy,

do i not need to write to them though to point that out?

If i merely stop/continue paying im solving nothing really so stuck right now - i went for some mortgage advice last month and im in a good place at the moment which means a lot after years of renting so i dont want to risk that.

you don't start pointless letter tennis.

Im not suggesting that at all, but i need to respond one way or the other surely. They haven't complied and are demanding payment with a risk to my credit record...

pointless letter tennis will not stop them marking your file.

please do as post 30

Ok i will give it a go, not sure if they will speak to me now the account has been assigned to 1st but i'll certainly give it a bash thank you

And who told you that old wives tale?

Sorry - the letter that 1st credit sent suggested that all communication should be through them now that they hold the account so i assumed that was the rule.

i have finally got hold of someone

- a human being no less at JDW,

who advised me that there seem to be default sums on my account yet she couldnt give me specific info.

That has to be requested by email (so thats my next task)

- is there a difference between 'late payment defaults' and major stopped all payment defaults? or are they the same thing?

Have they sent a default notice and registered it on your credit file?

Forget the rest

If they have sold the debt then they must have defaulted it

Hi again

I have had an email this morning from JDW,

the reply says that

'I can see that during the last 6 months there has been no default amounts added to your account'

- i have replied to ask if there were any during the life of the account but so far haven't had a response.

I have checked my credit file - using clearscore and Noddle and neither show any default whatsoever - Clearscore says 'you have no accounts in default or reposession'.....is there anywhere else to check?

I have checked back through the paperwork provided by 1st credit (as a result of me sending the as i now know incorrectly addressed SAR and CCA request) and their response seems rather odd.

They have provided copies of all the paperwork they have sent to me so far and also copies of anything i have sent to them,

this includes a copy of the SAR letter

while they make reference to being unable to provide the documents relating to the SAR or CCA requests the copy of the CCA letter i sent isn't present.

Which makes me wonder why, its making me doubt i have sent it in the first place even though i have it saved on my PC (i cant put my hand on the postage receipt!!! typical!)

yet they make direct reference to the copy of the Credit agreement.

Is it worth sending again to ensure I am covered should they not comply a second time?

I have received an email reply - ' Our records show missed payments for the following months Dec 2011 etc, etc, etc, etc, as a result due to missed payments administration charges had applied to your account'. Does that help?

well the charges can be reclaimed along with any others.

so that looks you have 3 mts or more of them so a default should have been registered then.

Is the only way to find out for sure a SAR? (to JDW) I thought the default remained on the credit record for 6 years though and there really is no sign of that on my record so i don't understand it to be honest.

Ask them why a default was not registered re post 40 info

They say it was because the payments were late - as opposed to not made at all... does that make sense?

yes sadly it does

so where do i go from here?

well if they've sold the account to 1st credit there should be a default.

pers id do nothing

did you stop paying as they've [1st credit] have failed your cca request now

I haven't made payment yet and so far they haven't chased (bet there will be a letter waiting now I've said that ha!)

as i explained in post 39,

their info is confusing

as they refer to a copy of the Credit agreement letter i sent to them

but haven't included a copy in the information they sent to me (as they have with other letters i sent to them)

I don't know for certain if they actually received it or if i should send it again to make sure i am definitely covered...

no CCA = NO pay

They have started the pester again, 6-7 phone calls, emails, texts and voicemails per day now. Lovely people!!!