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matam2k

Defaults and credit files

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Hi am new to the grup and was wondering if anyone has had anything put on their credit file when defaulting on a payday loan and it going to Dca.

Thanks

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Not as far as I'm aware. I think they are a bit nervous about being challenged through the "Extortionate Credit Bargains" legislation in the Consumer Credit Act. From what I know their DCA tends to be in-house (same address always a give away)


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

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Hi matam2k, welcome to CAG!

 

It sounds as if you are about to, or already have, default. Whatever the reasons, that's your business (even though CAG don't condone debt avoidance), feel free to post here for advice on how to deal with them. They are shady characters and will often behave illegally.

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Good morning,

 

I am up to my neck with these firms and (so far) nothing on CRA files (I have on line access through Experian).

 

This of course may change! :roll:

 

As T2upnorth says they can and will use every means at their disposal to get their payment. Whilst completely agree do not condone debt avoidance (have been quite open that well meaning but foolish actions are still foolish actions in getting me here!) if you cannot either repay your loan in full or keep "rolling it over" (and therefore maintain yourself in perpetual debt and on the edge of the dark road of further loans of this type to keep the previous one going) they will essentially treat any attempt that you make to come to a repayment arrangement as debt avoidance!! There are exceptions but most of them either want you to stay in debt with them forever or if it looks like you will not do that fleece you for the whole sum they are "owed" as soon as possible (and in one case with me even take MORE than they are owed!).

 

At risk of sounding like the debt equivelant of a reformed alcoholic so will stop now but best of luck, hope you sort them out :)


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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thanks for your replies so far , i havent defaulted yet but will this month, i have 4 that are due end of month, payday uk £375 . ptp £519 , quickquid £250 and wonga £260 , i'm going to pay the wonga one off as from reading on here they seem to be the worst. Ive been rolling them over for too long now and never getting out the cycle and never have money for anything else. I do intend to pay them all off as soon as i can but think it would be better on my terms and when i want to. I am going to cancel bank card say lost it, and delete any direct debits. If i say lost the card will they for sure not be able to get hands on money in my account after new card issued? Thanks for your help.

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Matam2k. If all they have the details of your Debit Card, then cancelling or 'losing' your old one and getting a new one will stop any post dated Debit Card payments they may have going through.

 

I do on occasion use Payday lenders, luckily never to have had problems repaying. So once your debit card has been stopped the balls in your court. I'd recommend calling the companies up and making them an offer of repayment. i.e. £20-£50 p/m per lender? Tell them you are in financial difficulties due to over committment and see if there's a possibility of a suspension of interest and charges. The rationale behind that being that they would rather re-coup some of their inital capital then loose it all (damage limitation)

 

Don't what ever you do keep rolling over, its money down the drain!

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I echo what 1980 said. i have had many payday loans and when i reached difficulty i came up with my own repayment schedule - i offered something like £40 a month. They have the philosophy of wanting some of their money back, they know that they cant get blood out of a stone. If you go debt management, they often offer £1 a month and this is stupid as a. they get v little back and b. you are often extending a typical £200 debt over 3-4 years.. Has anyone completed what is called a financial statement with a payday lender? This i have been asked for by bigger creditors before and it summarises what you have got coming in and what you have got going out.. and the idea is that it comes up with a figure that you can afford to repay...

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thanks for help, i will keep posted on how i get on .

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Well i have cancelled my bank card said it was stolen, so new on way, will cancel direct debits 2 days before due to come out. I'm just worried about getting bad info on my credit file as all the defaults i have will drop off end of this year. But hopefully no info will be recorded on files if i stick to arrangement with dca when goes to them.

Cheers

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Great to hear its been sorted! Weight off the ole shoulders isn't it!

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