Hi, no I understand the monthly defaults. I have 3 defaults on my file ( default notices issued). I remember getting defaults in 2008 (DN's) but now the credit file says they were issued in 2009. I assumed the DCA that bought the debt issued further default notices a year later

So I suppose then I would have to DSAR them to see if they defaulted me and when? Problem with that is, I have not heard anything since 2008 so don't really want to rock the boat as it all comes off in 6-7 months. If I DSAR the OC, suppose they will contact the debt buyer and start hassling me again I remember receiving defaults in 2008 from the OC, but credit file has them down as 2009

Anyone help me with this?

Thank you

About £2k I think, but I need further info from them to work it out

have had an on going dispute with a private Ltd company. They say I owe them money ( and I do) but not as much as they say. They have now issued a summons against me but the claimant is the personal name director of the company ( not in the company name). The invoices sent to me about the dispute are in the LTD company name. Can I dispute this claim on the basis that I do not owe Mr Smith any money, if anyone it is the Ltd company? The claim is for £8K and in the POC they have put " claims interest under S69 f the County Courts Act 1984 at the rate of 8% per year from 15/4/2014 to 14/11/2014 ( the date of issue) at a daily rate of £487.42 !!!!!

Hi, Am I right in thinking that, before an OC can sell the debt on, they have to default me first? If so, am I also right in thinking that the DCA who bought the debt cannot, therefore, default me again? I have 3 defaults by the DCA which were about 12 months after the OC defaulted me. The original defaults should have disappeared by now , but the DCA defaults are still on for another year.

I have a card debt of £11,700 and just received a letter from the above saying they are considering issuing a stat demand. The card was taken out in 2000 and I previously asked for a copy of the agreement in 2007 which came back as an unenfiorceable one. It did not have the prescribed terms and was just an application form. I stopped paying around Nov 2007. Do I reply to the letter? Do I request another copy of the agreement ( assuming now I'll just get a recon) Do I ignore it? If I send anything in (S77) does this start the SOL all over again? Please help