Hi. Thank you Pat.. OK. My problem is that 'cabot'foned me at home last night. I moved house a few months ago I informed them in writting that i didnt have a permanent address but would be maintaing my payments to them, which I have done. They on the fone last night informed me that they had consulted 'experion' for linked addresses and found my current address, they also have somehow obtained my 'x' directory phone number!! This is a gross infringement of my privacy. Firstly, the debt they are refering to is no longer on my credit file, as it was defaulted over 6 six years ago. so why have 'experion' allowed them to look at my file on a debt that no longer exists on my file? And where did they get my 'x' directory fone number from. I feel they have invaded my privacy and data unlawfully. What shall i do..please advise..Also do they have the right to buy the debt in the first place? it was with capital one; originally. I have always maintained my payments to these snidey sods. Any help would be greatly appreciated. Thank you dawn.

hi un1boy. no news for ages, whats current state of play? u ok mate? read whole thread and am in need of an update if poss. truly admire your tenacity. outstanding! if anyone else following this thread knows whats going on at present then do try let me know. thank u.

xcellent, real clear and even i can understand it, trouble with these matters is they seem daunting and are very draining and you end up just going along with things for a quiet life and then one day these people write to you again and your head is consumed with it all, what im learning from yourself and this site is just to focus on one thing at a time, keep it simple as possible and only venture into grey areas when absolutly necessary. thanks again for your experience and time. if you dont mind will let you know wot happens following the CCA.

brilliant this makes me feel a lot more confident about going for it with paragon. have you a link for a template for the best CCA request? thanks again for your help. also..in theory if they cant proove you owe them the money but you can proove you have paid them £7500, can you demand your money back? or are you pushing your luckwith that...and doesnt the fact that you have been paying someone with a credit licence imply that you must have borrowed some money ?

thats outstanding ..if i use a equifax credit searcher life may not be so harsh...WOW is this up to date info? cant thank u enuf for this one:)

yes about £400 in what they call sundry debts, they charge me £10 everytime they write to me despite being informed that i will only cpmmunicate in writing. there is also about £1700 added from what ithink original total amount payable was..but as you say i will cca THEM AND GET TERMS AND CONDITIONS too. i too doubt they have got it but they are very determined at paragon personal finance..

just thought of another question..sorry...re CRA's..If my credit report on Equifax looks ok, but on the other two CRA's shows defaults, is there any way that i could find out which lenders use equifax, as i am hoping to apply for a mortgage in the near future, and obviously want best market rates not bad arse defaulters rates ? thank u.

thanks very much rory, that clears things up for me. one thing ive just thought of which i do find scary, i have been paying a loan off for many years on reduced payments, the initial capital of £4ooo was paid back many years ago, while on reduced payments interest has not been charged, although in effect all i am paying back is interest, my point is, if they have not been applying the intesrest for such a long time can they suddenly reinstate it? they always state on their letters that they can. thank u

hi. i am considering going into battle with a few companies regarding long standing debts, my first opponent looks like its going to be Paragon personal Finance, re a loan taken out in 1994, not through them initially but through Universal credit. I would appreciate it greatly if anyone on here could assist my knowlege before battle starts in earnest. I have 5 questions, here goes. Q1. At what point does a queery about a debt formally become a dispute? Q2. What is not allowed while a debt is in dispute? Q3. Who ultimatly do you complain to if the creditor is ignoring the protocol while a debt is in dispute? Q4. Two of the CRA's show defaults on my report, these are now over four and a half years old, the third CRA, Equifax, does not show these defaults and looks ok, Any ideas as to why they dont appear on the Equifax report? Q5. If a default stays on your credit file for six years, what happens if after the six years you are still paying it back, its still not settled? Im sure that i will have many more questions over the next few months but just want to try and get started and know where i stand. i thank everyone on here who tries to help others and hope that anything i learn through this site i can then try and help others too. Its unjust the way a lot of these companies seem to believe they have the right to "PUNISH" us forever because at some point in the past we may of had some difficulties.

i dont know the original interest rate as until i get cca from them its a mystery, however i do know that they are no longer charging interest nor have done for a number of years. on the occassions that they do write to me that they put on the bottom of the letter they reserve the right to reinstate interest in whole or in part, which may have been postponed in the past. i am very scared that they will do this and then this debt for £4000 will go on till my grave! at the end of the day if they cant provide loan agreement i dont have anything to worry about and simply stop paying, or is it not that simple? also last week i received my CRA reports from all three agencies, two of them are the same infomation, the third, from equifax shows no defaults the other two show three defaults, i thought they all held the same infomation, howcum they differ? thanks for your time and replies

thank you for that. i was also wondering if they do supply cca and the interest charges are huge do i have a chance of simply writing to the loan company and telling them that i consider that having paid more than £3500 in interest as well as paying back the original sum of £4000, that i believe i have paid more than enough back and a further £3000 to pay is totally unacceptable to me and therefore refuse any further payments until a court decides what a fair amount is. or am i being naive?:-?

hi dave. great stuff this whole thread. just would like your thoughts on an issue. its dead straightforward. if a loan company cannot supply copy of original agreement t&c included, then is the debt unenforceable? i took out a loan in 1994 for £4000, company was taken over by paragon personal finance i have so far paid back approx £7500. i have been on reduced payments for many years. if they cant supply a valid loan agreement form doesnt the fact that i have been paying prove something? im just so fed up of paying them, they still say i owe them nearly £3000, this will go on for ever and ever, i dont think they will have the loan agreement form. your thoughts please. good luck with all your battles.

hi. thanks for that:)... i think i will write to Barclaycard requesting the copies of the original CCA agreement, these cards were originally issued in 1993 for the barclaycard visa, and 1995 for the Barclaycard master card. the defaults, according to my credit file were issued on 30/04/03. im just a little confused in respect of the fact that both these debts are in the hands of DCA's, i am paying small amounts monthly to these agencies, but if Barclaycard cant produce the copy of the CCA, is that it? i no longer have to pay these agencies? As for the paragon personal finance loan, which was originally taken out through UNIVERSAL CREDIT in 1994, 13years ago for £4000, and i have been on reduced payments for at least 6 years and paid back so far approx £7500. if they cannot supply copy of original loan agreement with universal credit. do i simply say to them that the amount they say i still owe, which is over £3000, is unenforceable and it goes away? is this the case? how long am i liable to keep paying them after i have paid back the original sum borrowed? hope this is all clear, hope someone can keep things simple for me. thanks.

hello. im new on here. have loads of questions and will try and be clear. in a few months i hope to apply for my first mortgage but am hardly a spring chicken. today i received my credit reports from the three CRA's. not looking good. i have three defaults on credit cards, these all date back to default notices being issued over 4 years ago..if i wait 22months my credit file will be clear but am looking to apply for mortgage in November this year/ 2007. we all get into difficulties and none of us intend to not repay credit card debts but ,circumstances sometimes beat us. i am thinking of writing to the original issuer of credit cards, BARCLAYCARD, to see if i ask nicely if they will remove default notice or go down the line of asking for copies of default notices, but who do i ask? the original issuer, BARCLAYCARD, or the debt collection company that now handles the debt? one of them is moorcroft debt, WHOM I FIND VERY OFFENSIVE! also i have a long standing debt going back to 1994, originally with UNIVERSAL CREDIT, but now with PARAGON PERSONAL FINANCE, who are very aggressive. it was for £4000 ive paid back over £7.500, i really don't like these PARAGON people, and am thinking of asking for original copy of agreement...what is anyone's advice, they just wont go away and have added over £400 in SUNDRY CHARGES, to occasionally reply to my letters, despite being informed that i will only communicate in writing. Any advice on all of the above would be wonderful. i really need to start getting things moving and was devastated when i still seen these three default notices on my credit reports. thanks 4 reading.