This may have been covered so apologies however

my wife had a debt with QuickQuid in 2010,

there hasn’t been communication with them since and don't recall having DCA's involved

we’ve seen the debt now appear on her Noodle credit file with an account start date of 2010

(when she took out the advance and wasn't able to make any repayments) but a default date of 2015

– i assume they’ve done this just before the debt is Barred so we’re screwed until 2021.

Can they do this or is this unlawful?

Some help would be appreciated.

I've heard that a default can only be registered with a DCA within 6-months of the payments stopping - according to the ICO.

Not sure if this is right.

defaults are not registered with a dca - they are totally powerless and are not BAILIFFS..

QQ would have registered it.

when was her last payment please

dx

Thanks for the reply. It was In 2010.

if you've proof of that the debt is statute barred anyway.

just the default to sort out

and that's easy.

if you've proof of that the debt is statute barred anyway.

 

just the default to sort out

and that's easy.

So how would you request the default is removed (i.e. the grounds) considering they've registered it within the 6-years?

Write to QQ enclosing written proof of last payment date

Give them 14 days to remove the whole account or you will raise a formal complaint with the information commissioners office and seek financial compensation

Write to QQ enclosing written proof of last payment date

Give them 14 days to remove the whole account or you will raise a formal complaint with the information commissioners office and seek financial compensation

Their complaints rep replied by email with the date of the last payment being August 2010. Also asked for a copy of my credit file. Yeah like he’s having this.

then the Default should have been within 3-6mts of that date.

in foot shot himself.