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Coasters

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  1. Have you looked at your credit file recently? You might find you have already been defaulted, I would not worry about anything other than getting the DD cancelled personally. They are unlikely to press for court action but are very likely to threaten it, the two of course are very different. If they do the court will take a dim view as you would have been paying something rather than nothing (even the lower payments which you are unable to maintain). Of course you could try and reduce the debt further by chasing late payment fee/ overlimit fee's and overdraft fee's as well but that's another angle.
  2. I agree only ever using standing orders only, this way the cretins to not have a key to your account. If you can do it online, hell do it now!
  3. If you have made a payment, promised to make a payment or acknowledged the debt in any other way in the last 6 years (5 Scotland) then they will not be stat barred. As for making a revised payment. As low as £5 a month will still show a court you were/are willing to pay and the DCA's no matter how much they threat will unlikely take it further. This will lower you outgoings to them to around £45. £300 less than what you are paying now! All this applies to unsecured loans. Sleep well!
  4. First of all if you want to settle the debt stick with Capital One. I would refuse to deal with any of their crappy DCA's. Please be aware though that the default, settled or not, will appear on your credit report for six years. It will just change to a Default that has been SETTLED. Offer them £200, they will snap it up. These maggots will do nothing for you, ignore them. The 'outstanding debt' markers on your credit report have no impact on your score. I know as I have two but I have a perfect credit score and am normally approved online straight away for credit. To tell you the truth, these markers are even less damaging than normal searches! At the moment the DEFAULT is having the largest impact on your credit report, work on getting that removed (unlikely) or make the £200 offer and it will become settled.
  5. They are trying to track you down, or someone with a very similar name. I have had problems with these muppets in the past and I hate the fact the CRA seem to allow these vermin to search your report. However, it seems if you pay the fee Equifax let you do what you like. Take heart though, these searches have NO IMPACT on your credit score (even if they are there for six years). I am sure the vermin just to it because A) They want to trace you and B) They want you to ring them up and ask why they are appearing on your credit report. They then have contact with you.
  6. Thanks for the reply. Does it in effect have the same 'powers' though, IE severely crippling your credit score/report?
  7. I am sorry to bump an old thread but I am lost as to how BG can register a default on a credit account if it is not in itself a credit account?! I have a default for a grand total of £23 registered on mine, this after it was promised it would be wiped as they broke the direct debit guarantee by taking this sum out on totally the incorrect date. I did not pay the £23 as I was told it was written off, sadly though they thought it would be fun to default me instead.
  8. Just watched all three, I will say you have the right voice for the job. (Dont worry, I do not mean a DCA) You should be on the radio
  9. Got a letter confirming what I already knew, the debt is SB. (And I was defaulted on my credit report in 1999). Since I already told RED about this (the **** who had the debt before). Had they a right to sell this on and another 'third party' search my credit report using a 'debt search'? If asking for the money after you have told them you are not going to pay is 'unfair'. How come they are allowed to access your report to get information to write and ask for the money? Equifax have said they will NOT remove the search. Their chums at MH say the search is lawful. This search will stay on my report for a further six years now apparently, I have already served a six year default for it.
  10. babybear many thanks for this. As your answer deals with data I would appreciate If you could take a look at http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/154158-coasters-mackenzie-hall-new-post.html This is the problem I am having with MuckHall. Aside the debt being SB I am peeved off with the searches on my account which is how they 'traced me'. This is actually what I am fighting, not the debt itself which is dead now as far as I am concerned.
  11. I never deal with them. As I said in my previous post I just went straight to the authorities. The letter I got today was their response admitting I was right and they were useless cretins (in so many words). I would report them if you are 99% sure, they will then have to come back to you with proof anyway and it gets them a nice fine as well. Only problem is if they are fishing they might consider you caught if you respond at all.
  12. I sent it to RED who passed the debt on to MuckHall. I then passed them on to the FOS, FSA, ICO and Trading Standards.
  13. Frogmore said everything I would have said, bang on in my book. Report them to the Information Commissioners Office, FSA, FOS for starters.
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