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adam1992

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  1. Ok thanks DX for your help appreciate it ever so much. Will keep you updated. h
  2. this has been on my mind the past few days and I can’t help but feel it’s all a bit unfair as a system. In hindsight I’d have been better off not making any payment at all & just defaulting 5 years ago with the OC. AG aren’t a creditor, they didn’t extend me any credit (in fact I’ve not had the ‘credit’ for 4-5 years to begin with due to the repayment plan) yet they can put a default on my file in 2021 that potential lenders will see until I’m almost 40.. For me any agreement was terminated at the point of debt sale. Which again was 2 years back now.. Just having a moan/rant I suppose. I understand that’s the way it is & the situation I’ve gotten into. But still stings.
  3. Frustrating after almost 6 years after the payment plan with the OC but Arrow have slapped a juicy default for this debt now for April 2021 on my file and begun reporting to agencies for the next 6 years.. Saving grace is they haven’t given me a compliant section 87 default notice if they take it further.
  4. Received the attached today just to update Apr 29, Doc 1.pdf
  5. Ok thanks DX. Can I just ask what you mean here, I thought if I had a search made a potential creditor/bank would see this wouldn’t they?
  6. Yeah so it would have been 3rd month of plan June 16.
  7. I can do that then this weekend. Although neither DCA or OC reports this on my file so assume that’s not an issue? Just typing this up, can't find a direct template via the search bar so guessing its just a polite letter asking if they can look into it. When the plan began, was paid on time and feel penalised that whilst making good on my end, this is actually more detrimental than being defaulted at the time. And other creditors at the time defaulted myself. And that really between 3-6 months it could have been defaulted. And then see what they say?
  8. This is kind of what I was thinking. To me it should either be defaulted by the OC ages ago. Or when it was sold in 2019 and given to someone else. To do it now seems absurd.
  9. Hey Dx Thanks for that I think thats key - if they did and no-one else can see it say if I applied for a new card, or a mortgage that's great. They are void of my CCA request nearly a year later so from what you've said I'm happy to just wait it out now. My main worry was they'll turn around slap a D on my file, and any checks would show a new default in March 2021. I don't think that contradicts what @Peterbard said above either because at the moment there is nothing on any report.
  10. I know there's a difference between default notice, and a CRA default, which is the latter I'm concerned with at the moment if that makes sense. It states they will apply a default onto my CRA file. "report your default to credit reference agencies"
  11. Hi DX My concern here is all my defaults on my file drop next year. If they slap one on a CRA it’s stuck for another 6 years from now. I believe they ceased interest in Feb/Mar 2016 and the agreement started then. £9-10 a month, until they sold it in June/July 2019. That’s a long time
  12. Thanks I understand now. So there's nothing reported currently, ever since assignment in 2019, in fact the OC removed it a few months before too. Whats my best option to avoid the default? I can't afford paying it all at once, but being a recent (2014) a CCA is likely to be found. Should I contact Arrow to see if we can set up the plan again? I uploaded the DN they sent me a few posts above if it helps. My CCA is almost 300 days without being replied too bar a confirmation but don't think that matters in the current situation.
  13. Thanks DX, that puts my mind at ease a little. Do I have any recourse if they do slap a default on my file next month? Having read a few threads about Arrows they seem to be horrific to deal with and likely to do so -there's other threads where Vanquis have sold debts on without defaulting but they've not been updated that I can see.
  14. Hi Peter, is it possible to get default advice if a OC doesn't give one but the buyer applies one years later after a repayment plan? Been reading though some of your comments in threads I came across.

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