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  1. hi guys i had an issue with a dca about four years ago which was halted by a cca requested helpfully obtained from this site the debt has been sold on to several other dca,s, who although i can head them off with further cca requests, they keep registering the debt on my credit file is there anything i can do to prevent this happening in future? cheers Mark
  2. hi David this is the agreement and terms thanks for all your help markie
  3. fantastic you guys are really on the ball!!! cheers scott your a star, i'd have been there ages. markie
  4. thanks David found photobucket and have registered, will try and get it on tonight (depends if mother in law gets it over to me) thanks for helping just one thing though (i'm probably a bit thick) once it's on photobucket how do i post on cag, there does'nt seem to be a straight link, unlike facebook. cheers markie
  5. yes mate gonna get it scanned and emailed over, how do i post it? cut and paste? sorry fairly new to this, please bear with me. cheers markie
  6. hi 42man they did send the signed copy of the agreement, but no SAR request has been made, should that be the next step? is there anything that can be done if she didn't receive a default notice? many thanks mark
  7. hi what does thread moved mean? have i done something wrong? hello ell-enn, thanks for bearing with me, i've not used cag much. she's been paying the dca to this present date
  8. hi can anybody help my mother in law had an aa loan in 1991, defaulted in 1992 doesn't remember getting a default notice, debt subsequently passed to debt rec agency. cca request supplied by dra payed off 5,600 still owes 3,500 anyway out(orig loan 5000 apr 29.3%) cheers mark
  9. hi dx, been away for a couple of days,sorry i'm slow coming back. the default was quite a big one, at least it's dropping off soon,i'll wait and see what happens when it does. thanks for putting my mind at rest cheers mark
  10. hi dx, thanks for coming back to me, i was hoping you would. the 4 late payments in question were all sent before the payment due date but all arrived with the companies in question a day or two after the due date the real reason i would like to get them removed is that for several years now i have been striving to keep my nose clean, to amend the very poor status i had previously created. the only adverse data on my file until these late payment markers was a default, which due to the 6 year rule is due to come off this September, can you imagine how i felt when these appeared, especially as we thought we'd payed them on time. being self employed i need as clean a credit history as possible to get a mortgage and thought these might get in the way. thanks for reassuring me that they have little impact, that is a weight off my mind, i wondered if these companies have the ability to remove these markers, if so i could possibly bargain with them (would they rather i cleared the bill and shopped somewhere else (my wife i mean lol). any way thanks again for coming back to me and i'm sorry my first reply was so rude. mark
  11. hello dx, the fact that that we were naive in the first place is not the issue,i understand the clearing protocols now and they wont be a problem. i started this thread to try and resolve a situation that i felt was unfairly caused by these companies, especially when they regard me as such a good risk that they keep increasing my cl. i appreciate that you have been with cag a long time and have probably helped a lot of people, i'll resign myself to not being one of them. thanks for your input mark
  12. thanks for the sarcastic response it was unnecessary and pathetic, get a life!!!
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