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I have been in writing to Drydensfairfax Solicitors back in March 2016. They are acting on behalf of their client Max Recovery Limited who purchased a debt. I had previously asked them for a credit agreement and copy of the deed of assignment. Back in March 2016, they wrote to me in reply. They provided me with a basic office copy of a credit agreement. They claimed that their client, Max Recovery, had provided them with a copy deed of assignment, and that they had attached this to the document for my perusal. Upon checking the documentation, this assignment was not present as stated in the covering letter. For the past year, I have had no response from Drydensfairfax. Today, I checked my credit agreement, and I am horrified that they have placed a default on my credit file on the 30th May 2017. Under section 87(1) Consumer Credit Act 1974, I have NOT been provided with a written default notice prior to this default being placed. Can anyone please advise me what to do next as I feel that the default is illegal!? The other concern is that Drydens should not have put the default in their name as the debt belongs to their client Max Recovery Limited. Am I correct in thinking Drydens have done this default incorrectly it should be their client!?
I have an old outstanding debt from Littlewoods which was sold to Drysden / Capquest. The debt is from 2006 and I don't think any payment has been made since 2007 which should mean it should have come off my record. I entered a CCA request to them and also asked Experian to look into it and eventually I had a reply that they couldn't complete the CCA request but what they did have was a screen shot of a payment I'm supposed to have made in 2010. Is this something they can even do, shouldn't they still respond to the CCA? Can anyone advise what to do next? Thanks