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marc4620

confused about defaults and the CRA's

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I have read through some posts on here and am a little confused:confused:

I have a default on my credit file for a credit card dating back to 2005.

 

Have I read it correct; if I request the original signed credit agreement from the company and they cannot provide it within 30 days then they should not continue processing data about me? The default has to be removed from my credit file? Even though it was satisfied 4 years ago?

 

Or am I confusing it with something entireley different? Sometimes too much information can make my head hurt:lol:

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I have read through some posts on here and am a little confused:confused:

I have a default on my credit file for a credit card dating back to 2005.

 

Have I read it correct; if I request the original signed credit agreement from the company and they cannot provide it within 30 days then they should not continue processing data about me? The default has to be removed from my credit file? Even though it was satisfied 4 years ago?

 

Or am I confusing it with something entireley different? Sometimes too much information can make my head hurt:lol:

 

 

cca is 12+2 working days.

whomever has put markers on your CRA file must of held or hold a valid CCA for that period.

if not, it should be removed .

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi Dx

 

Thanks for the reply.

 

Is the period you are talking about, the period of the 6 years the information is stored on your file? Or is it the period when the entry was made?

 

If its when the entry is made then what time length do these creditors have to keep the CCA? Can they legally destroy it once the default has been entered?

 

For example, if I ask the credit card company for my CCA from 2005 will they still have it / are they obliged to keep it? If not, what then?

 

Is the onus on them to prove there was one in existence in 2005 or is it on me to prove they didn't?

 

Marc

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time of default.

there is no reason for the OC to destroy a cca

they must certainly keep them for atleast 6yrs even if a/c is closed/concluded.

 

who is the oc?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks for that.

 

The OC is Capital One

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