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dual citi/DCA entry on Credit File


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My first suggestion is to start your own thread, we will then give you advice on that.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 1 month later...
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not in my opinion anyway.

 

Entry on Credit file from a DCA, allegedly sold to them by a lender. Lender also had an entry but it has since been removed after my requesting the duplicate be removed by either of them (lender or DCA)

 

I sent a CCA request to the DCA shortly afterwards who responded with the 'we're looking/requesting it but in the meantime we've suspended your account while doing so'

 

With that in mind I wrote to Experian enclosing copies of the letter from the DCA showing that they did not have my credit agreement and the account was suspended...I also stated that the DCA have not provided a copy of the assignment notice from the original lender either.

 

Experians answer was to simply issue a notice of correction to the entry which does little or nothing as far as I'm concerned and went on to state that it is the DCA that needs to request the default removed.

 

Experian in my mind are a complete waste of time, they allow entries that quite clearly should not be there, they ignore all proof that you send in and they simply quote the usual 'we're not responsible for the data held'

 

So, to progress this? Raise a complaint with who? and send the DCA the 'processing of data' letter from the templates section?

I reside in Dawlish Warren but am not a rabbit.

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I agree re the asking for a lot, however the default until recently was duplicated and the DCA has not as yet been able to provide an assignment notice let alone a CCA and we're almost 5 months on since the various requests went it.

 

The DCA have stated to Experian that they want the default to stay on and yet when pressed they have not supplied a shred of evidence to suggest they own the debt or can even enforce it.

I reside in Dawlish Warren but am not a rabbit.

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  • 4 months later...

or is it Hllsden Securities or Hillsden Securities Ltd, they seem to change with each and every letter.

 

In any case , I'm sure they've sent this to oodles of their alleged customers ..

 

http://www.partnerpick.com/userspace/user6730/hillsdenMar10.jpg

 

quoting the McGuffick case as their defence in collecting on a debt that they have as yet to supply a CCA for....

 

Their wording/interpretation leaves me a little confused, they of course are sending it back to their 'collections' depart so that activity can recommence? really, how nice of them but not from me it wont.

 

But anyway, they quote from guidance from the Credit Services Association (yes them oiks)..why anyone takes the Credit Services Association seriously is anyones guess.

 

But their interpretation of the judgement mystifies me in that 'bringing of proceedings is not enforcement'? Do they mean that by registering a ccj against you that it is not initself enforcing the debt? How is that? You don't pay a ccj and the plaintiff simply goes back to court for either a charge or bailiffs or whatever....but that to me in enforcement....

 

They may argue that the ccj initself is not enforcement but if that is the case then any action after that is enfocement (bailiffs charge) and as such cannot be taken....this leads me to my own interpretation that if they take a ccj and you don't pay it then they cannot take you back to court for bailiffs or charges etc...thus rendering the judgement useless and their collection of it null and void....

 

Of course this is second to the incorrectly assigned debt paperwork they've previously sent and charges added that they are not

legally entitled to do under the original credit agreement which I have and they dont and which I'm waiting for them to send me

almost a year ago of asking.

 

Bring in on I say....

 

Note: The above link is to paperwork they sent me direct, I've edited their barcodes/dates/account numbers out and any of

their strategically placed ref numbers in -1 print etc....sneaky are them.

I reside in Dawlish Warren but am not a rabbit.

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remind them that even the Credit Services Association, say they cannot collect on a agreement untill one is produced. To quote from their FAQs "If you ask the creditor for a copy agreement (with a £1 fee) and this is not provided within 12 working days the agreement is not written off. It does mean that the creditor must stop collection on the agreement until one is later provided." That is so to speak from the horses mouth.

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  • 1 month later...

on a credit file and it's duration.

 

Default issued on a debt stays on the file for six years from entry, no problem with that....

 

and I'm sure it's one debt only one default notice......

 

but, if a debt is sold on in full title i.e full assignment...is the new owner of the debt entitled to enter a new default which may then extend the default (albeit in a different name etc)

I reside in Dawlish Warren but am not a rabbit.

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No the o/c has to enter the default and whatever creature buys it can update it monthly. If two have been added for the same debt complain to the CRAs.

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No, they cannot. You cannot be defaulted twice for the same debt. The original creditor and the DCA must agree between them who is going to update the original entry. If you have been defaulted twice for the same debt, write to the credit reference agencies and ask them to remove the second entry.

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thank you both for that....

 

I did have a double entry but have had that removed...

 

----

 

All my current defaults will drop off my credit file in less than 5 months but I am expecting at least two of the dca's to try and add them back at some point. I've kept all credit file entries/dates etc and took a snapshot of my credit file today but because I'm in dispute with a few dca's and I can see that one of them has recently credit checked me ...for what reason I do not know....but I expect the unexpected so to speak.

I reside in Dawlish Warren but am not a rabbit.

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My thoughts too, there seems to be an upsurge in DCA's trying it on as a debt nears SB. I have also noticed that many of the DCAs just put 'card' making it more difficult to associate their entry with that of the OC. In my case I have the OC account as settled and on the same date a default is entered as a fresh file by a DCA which continues to update.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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In my case I have the OC account as settled and on the same date a default is entered as a fresh file by a DCA which continues to update.

 

Yep, that sort of thing is what I expect....what if any action have you taken against them?

I reside in Dawlish Warren but am not a rabbit.

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Nothing yet .............alls quiet, but as soon as it all starts up again :rolleyes:

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Are these idiots actually resident on our planet because they sure seem so far up themselves they're on Uranus...

 

Seldom do I get a letter that makes me laugh as much as this one today has

 

http://www.partnerpick.com/userspace/userAF9803/zinc1a.jpg

 

So, their 'indepth desktop investigation' has shown I own property...um do I now? - Some 'investigation' that was to bring up out of date/useless/non relevant/non factual information - STRIKE ONE!

 

Their client 'Citibank?' Um, that is news to me, the last activity on this account was me requesting a credit agreement from a different DCA some 9 months ago the interesting thing is the last DCA actually sent me a year or so prior to my CCA request an assignment that they owned the debt.... STRIKE TWO!

 

So who does own the alleged debt? I thought an assignment meant that the assigned (full title) owned the debt in full? Either Zinc or the previous DCA are fibbing or maybe they both are (shock horror)

 

Of course the account is still in dispute, no paperwork that I requested last year has been sent/offered so ZINC can sit and threaten to indulge themselves in my non existent 'owned' property as much as they can....but will I respond to their very kind/thoughtful letter or should I just ignore them? (opens file marked 'No Hope' and enters Zinc into the section marked 'No Hopers'

 

What idiots these people are, their letters are nothing more than bullying tactics and veiled threats but in reality they're as toothless as they are thick.

I reside in Dawlish Warren but am not a rabbit.

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[ur]Anus is right, as far as I can see, as they seem to be speaking out of their collective orifice

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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Report the original creditor for passing on a debt to many agencies AND for passing on a debt clearly in dispute.

And report Zinc for encouraging you to borrow against the equity in your property.

 

I too have just completed a thorough desktop investigation but I still can't find my blinking glasses.:grin:

As of 03/03/12 please do not under any circumstances wait for my further input or guidance on any current thread or defence of a court claim I might have been involved in on or through Cag.

Jasper1965

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What a hilarious letter filled with humour

''Our in depth desktop investigation'' Studying the paperclips and sharpners

''Your current domestic residence'' The place you call home

''Resolve this debt to everyone's satisfaction'' It is already resolved to your satisfaction :)

 

 

And you have to laugh at their address 93 HOPE Street surely that should be NO HOPE Street

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Great minds and all that - Just going to postl above HOPE Street etc.:D

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Great minds and all that - Just going to postl above HOPE Street etc.:D

of course you could have said HOPELESS Street:p

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:: Licence Details

 

Application / Licence Details

 

 

 

Licence Number:0624362

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Complete Credit Consultancy Limited6450797

 

Categories:

 

Debt collecting Provision of credit information services, excluding credit repair

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Zinc Collections Zinc Commercial Recoveries Zinc Credit Management Zinc Recoveries

 

Issued Date: 31-Mar-2009

Date Maintenance Payment Due: 30-Mar-2014

 

 

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Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Sharon Wiggins

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddress Correspondence25, Broadmeadow Lane, STRATFORD-UPON-AVON, Warwickshire, CV37 9FD, United Kingdom Principal Place Of Business25, Broadmeadow Lane, STRATFORD-UPON-AVON, Warwickshire, CV37 9FD, United Kingdom Registered Office29, Wood Street, Startford-Upon-Avon, Warwickshire, CV37 6JG, United Kingdom

 

Historic Address(es):

 

Address TypeAddress Registered Office29, Wood Street, Stratford Upon Avon, Warwickshire, CV37 6JG, England

 

 

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Stratford address reminds me of Intrum Justiita who before Liverpool I think used to have some association with Stratford Upon Avon (either them or Bristows & Sutor.

 

Having said that I'm sure somewhere I read that Mackenzie Hall were in bed with them (are them)

 

As for reporting them, that is exactly what I'll be doing, bunch of idiots they are....how dare they, HOW DARE THEY....DO THEY NOT KNOW WHO I AM? :)

I reside in Dawlish Warren but am not a rabbit.

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