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No record on my credit file


shaaarn
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Im about to go to court with Cabot/Morgans next week and wanted to check my credit file to see if theyre were details about any defaults being issued (my case is that no notice was issued.

 

I was surprised to find that there is no record of the debt at all on my credit file (an credtexpert report)? What does this mean? If they have issued a default notice shouldnt this be on my file?

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not all debts get reported to all agencies

 

give us the history please

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for taking the time to reply dx

 

Im quite far down the line with this and my court date is next week.

 

The POC form Cabot/Morgans are vague and claim arrears only even though the figure quoted is the full amount.

 

After issuing a SAR request I have been provided with a very poor (probably micofiche) copy of an agreement which is very difficult to read and I would consider it illegible. No termination notice or default notice or notice of assignment has been provided however representation letters which appear to be templates regarding NoA and DN have been provided although neither include prescribed terms. On top of this the t and c's are not the inception terms

 

The point Im currently persuing is whether or not a default notice has been issued and after checking my credit file there is no evidence of a DN but there is also no evidence of the actual debt either. Morgans claim that due to them claiming arrears only they are not obliged to send a default notice.

 

I have difficulty understanding the "were only claiming arrears" approach when my last statement (dated over a year ago) shows the arrears to be a tenth of the costs claimed.

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urm

 

that sounds like rubbish to me

almost a split claim too

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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type in bryan carter in our advanced search top right

 

have a read

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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