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Question on defaults


skyblue2027
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I have a loan from Everyday Loans which 1st Credit are collecting for.

 

They have been unble to provide me with a CCA and i have placed the account in dispute.

Now, the loan was taken out circa 2007 and i defaulted within 6 months and waited for it to go to DCA due to my circumstances at the time.

 

can the DCA still defualt me although they are not the OC and cannot provide me with my agreement?

 

is there a way to appeal this?

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Have you every received a Notice of Assignment, Default Notice from Everyday Loans. Have you checked your credit files and what does this show on the entry for this. There should only be one entry per account and it is usual that the first entry with its' default date is the one that is handed over to the DCA. If there is nothing from Everyday, then yes, I believe a DCA can issue a default either on behalf of the OC if they are 'acting on behalf of' or, in their own right if they have bought the debt.

 

There is a Section 10 Notice which can be sent to appeal this to the CRAs but doesn't often work.

 

http://www.consumerwiki.co.uk/index.php/Data_Protection_Act_-_S10_Notice

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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