DCA - Can they default an account twice?

[bifidus digestivum]

I have three old debts with DCA's. All accounts were defaulted over 7 years ago, and no longer appear on my credit reference files.

 

I have recently sent off for the CCA's and awaiting replies.

 

The question is if I stop paying can they default the account a second time?

[postggj]

i will be corrected if wrong but, if you have a payment plan with a dca and miss payments, they can then default you

 

this only applies if the account has been assigned to the dca and you have acknowledged the account, if not the answer is no

[postggj]

how long have you been paying the dca

but if they have no cca

no they cant, but try stopping them

[bifidus digestivum]

Being paying for 7 years. The accounts were defaulted by the original creditors some eight years ago.

 

I must say I'm surprised to learn that a defaulted account can be defaulted again.

[postggj]

when was the last time you checked your credit file

is the dca on their

have you asked the dca in your cca request for the notice of assignment to see if they are legally able to collect debt and threaten legal action

 

one more point, was it the finance company or dca that defaulted you in the first place

[bifidus digestivum]

The finance company defaulted me, and then passed the debt to a DCA. Checked my file this morning. My last default fell off in October 2007.

 

I have sent off for the CCA just waiting the reply.

[postggj]

a note of encouragement

a dca last week put a default on my credit file, wait for it, from 1998

 

had it removed with in 48 hours

i had no contact from 1998 so straight forward

 

like i said some one will confirm the default issue and re registering it once it is owned by a dca

 

ime just going by my own experience and good luck

[postggj]

one of the default guys will be along shortly to confirm

 

if the original default has elapsed and fallen off your credit file and the dca has not defaulted you in the six year period,

 

i believe you cannot be defaulted again

 

dont want to give inaccurate advice so confirmation by an expert will be along shortly

 

good news for you i hope

[bifidus digestivum]

Thanks, after eight years I've paid off £20k and got my credit file looking nice. Don't want to balls it all up now.

[FLWLSW]

Could i just clarify, if your account has been passed to a DCA but you were not aware of this as no contact has been made of a couple of years and you were never paying the DCA anything, then they cannot default you?

[bifidus digestivum]

No I've had contact from the DCA and been paying them since 2001.