ridgeworth fairmile recoveries [AIC] and old Nationwide loan - new default registered.

[chesterbing]

Thanks for your reply not sure if Natiowide placed a default on my cra file in 2001 but would assume they did.at the time i grouped several debts into a package with consumer credit councelling service but could not continue paying them due to me losing my job and ill health. I would say its statue barred as i defaulted on the debt in 2001. Ridgeworth has brought the debt in 2006 .

[chesterbing]

Update

I am wits end with this case so any input would be greatly appreciated after many phonecalls at letters the situation is as follows

The orginal loan was taken out in December 1997 I defaulted on this in 1999 and Grouped all my debts in a debt management plan with Consumer Credit Councelling service.

Again I defaulted on this due to redundancy but paid most creditors off by CCJs which are all now settled except the Nationwide one which has resurfaced from nowhere.

Nationwide confirm that they sold the debt in May 2006 to Redcastle Recoveries which seems to be the same address as ridgeworth fairmile who recorded a default on my Credit Refrence file in June 2006.

I have complained to the ico office about this who say there is little they can do as Ridgeworth Fairmile have recorded non payment in 2006.

i have had no letters for ridgeworth Fairmile or Nationwide between 2001 and 2009. So the debt is statue barred but still shows on my credit file. Neither have I had any contact with Ridgeworth Fairmile by phone or letter entering into a repayment plan with them.

Any idea anyone how or where do I go from here in removing the default from credit refrence file

Edited March 22, 2010 by chesterbing
spelling errors

[Nagasis]

if you received no contact from either nationwide or fairmile between 2001-2009 then you couldnt have received a Notice of Assignment. Therefore fairmile never has had the right to do anything let alone mark your credit file or ask for payment.

[chesterbing]

well thats what i would have thought when i spoke to natiowide and asked them when they sent me the default notice or that they was selling the debt they said they did not have that information as it was long ago. Although they cpuld tell me date loan was taken out and when they sold the debt . Very strange indeed

[Bazooka Boo]

From my understanding of CRA's and files, these also only have a shelf life of 6 years from time of entry, namely when the account went into default.

 

The selling and passing on of alleged debts to new owners, should not alter the date of the default or entry date on the file, all that simply happens is that the new owner will put their name on your file against the debt showing that they are now pursuing, or are the owners of the debt.

 

It MUST drop off your file after six years, and in any case cannot show on your file as a default. If this is the case then again it is a case for the ICO to deal with.

[chesterbing]

This is excatly what I thought but Redcastle Recovieries is using Ridgeworth Fairmile Recoveries who is using Response Credit Management all companies under one umbrella but giving Experian and the ISO misleading information and basilcally taking the p..s. This is despite me having proof in writing that I entered into a debt Managment plan in 1999.

Time I think to get a solictor involved to try and unravel whats been going on.

[Bazooka Boo]

Hmm, personally I would go back to the ICO, and ask them to clarify their position on this.

If they still give you the same response, I would lodge a formal complaint with them because this is exactly what they are in the business of sorting out.

[chesterbing]

Thanks for reply and yesI will defo be getting backto the ico