I am looking at a mortgage hopefully next year so thought i would give the file a look. Good job i did as its in a right mess.

1. I have a debt of my fathers somehow on there, in my name but showing his date of birth, will this be a problem getting it removed?

2. Several debts with Lowells, which are all past 6 years old but showing recentish default dates, which are NOT the original default dates( shopacheck, vanquis).

3. A couple of debts that didnt default for ages, literally showing as red box with numbers in for 3 years befire a *D*

4. Debts that show as settled, plenty of red months ( i never settled them) but past six years old, shouldnt they be gone?

Any advice much appreciated.

Forget the calendar markers

What is the defaulted date in the debt summary

No dca can change that which was placed by the oc at sale or before

Not sure, but as an example i stopped paying vanquis card in 2010 but default date is 2015

cant be right

default should be within 3-6mts of when you stopped paying and the account should now not be showing.

Yep, havent paid since 2010 ignored lowell for years, but default years later.

Isnt it a dirty trick DCAs do to keep the debt active longer, add defailts to keep debt active?

only the OC can issue Default notices

somethin not right here

when was it sold to lowells?

have a notice of assignment?

Got no paperwork at all, not sure when it was sold.ll

Thing is I don't want to ring Lowell's as don't want to endanger acknowledging it if 6 years hasn't already passed.

Anyone advise re the British gas debt with my dad's date if birth? If I write to Equifax will they remove it?

Might be better to ring bgas as they can do it to all 3 agencies

You would have to complain to each one

Thanks.

I have 3 shopaheck negative marks, all 3 have red boxes from 2011 with '6' in them(6 payments late) right up to 2015 when they are showing as settled. ( I didn't settle them) anything I can do with these? Should they be gone already?? No default date on any of them.

if they have no defaulted date then they wont be a problem to a mortgage application, they cant see the calendar markers.

which credit file provider are you using?

Got no paperwork at all, not sure when it was sold.ll

 

Thing is I don't want to ring Lowell's as don't want to endanger acknowledging it if 6 years hasn't already passed.

You never ring fleecers

They are not BAILIFFS

Have you moved since taking this out?

No not moved.

Using equifax

So 3 years worth of red marks ( but no 'D') or default date is not considered negative?

If no default date when will it drop off??

just as an aside

go check on say noddle

if debts have been sold on to a DCA , they must have been defaulted by the original creditors before sale.

you should have received notice of assignment from both the OC and the DCA or atleast from one of them.

somethings not right here in the stories of these debts.

if payments have not been made in over 6yrs and a default notice has not been served then they shouldn't be showing on your file.

just as an aside

go check on say noddle

 

if debts have been sold on to a DCA , they must have been defaulted by the original creditors before sale. Not always the case....to assign a debt it does not necessarily have to be defaulted

you should have received notice of assignment from both the OC and the DCA or at least from one of them.

somethings not right here in the stories of these debts.

 

if payments have not been made in over 6yrs and a default notice has not been served then they shouldn't be showing on your file.

They could if only AP markers were placed...even without a default being registered .