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Help! Asset Link/capital one default from anglian windows

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How can I remove a default notice against my name from Asset link?

I posted originally in 2007 in the forum Capital one (Help! Asset Link is taking me to court)

In brief, I purchased a conservatory from anglian in 2002 for £11200 and although offered to pay in full was persuaded to take on an interest free finance agreement which I paid by direct debit for 12 months with no penalty for the balance being paid in full. After this finished, I never heard anything again from the company. In 2004 I moved into my present address, and in 2007 received a letter from Asset link saying i still owed for the conservatory - interest had been added each month without my knowledge. My loa was £11 700, charge £45

6/8/02 deposit paid £1755

1st payment £277.22 then 10 monthly payments £232.22 and final payment of £7390.58 totalling £11745.

Anglian refused to comment on this - I felt there must have been a computer error or a rogue salesperson! Following brilliant advice on this forum, I never heard anything again from them.

I telephoned Northampton court this week and they say they never heard anything again either.

So how can they put this default against my name?

Is there anything atall I can do? Please help!!! Melanie

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Hi,

Something very wrong here.

You took the loan out in 2002, paid it off in 2003 therefore even if a legitimate default was placed, that would have been early 2004. The default stays on file for 6 years so by rights, this should have fallen off by now. If the default is recent, I would complain to the CRA and the DCA as defaults have to be placed in a timely manner, certainly no later than 6 months after the first missed payment.

 

Trying to get copies of any paperwork from Anglian will be hard as they only have to keep documents for 6 years after closure of the account but it may be worth sending them a SAR to see if they have anything. I would suggest you do the same with Cap1.


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Thanks for that - I could not find an address for the CRA through the link (am assuming that is the Credit Referral Agency??). If I write to Asset Link should I just ask why the default is there and when it was put on. Is there anything legal I can quote at them? Thanks very much Melanie

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I was under the impression you had got a copy of your credit report.

Here are the web sites for the 3 Credit Reference Agencies

http://www.experian.co.uk/contact-us/index.html

http://www.equifax.com/home/en_us

http://www.callcredit.co.uk/

You will be able to find contact details on there

 

I don't know of anything legal you can throw at the Debt Collection Agency but I would be threatening them with a complaint to the Information Commissioner for placing this default


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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