Default added after settlement?

[0Das0]

Hello all,

 

I have read the site but haven't quite found a similar situation to this one.

 

A DCA company was sold one of my debts, I believe this was a payday loan I took out for a small amount. As it goes I lost my temporary job and had no idea it was comming. So while I was out of work I requested all Creditors bare with me and take reduced payments. Most of them did except one who passed the debt onto a collection company called Mackenzie Hall.

 

After telling them numerous times I was in no position to repay the debt in full they finally agreed to let me pay when I able to in full.

 

However, after doing so I checked my credit reference file to find they had registered a default against the account. I have looked and this is not a "change" of debt it is a brand new addition registered after it was paid in full.

 

Any idea's of going about and tackling this?

 

Many thanks.

[BRIGADIER2JCS]

Hi, I'm afraid that there is no way

to tackle the default at this stage

in my opinion this is a correction

of an omission to file a default

as any deviation from the terms and

conditions relevant to the repayment

of the debt is a default, when

the entry is placed is not relevant

although this should be normally

within 6 months of the cause of action.

Were you issued with a default notice,

I would think so, did you pay in full within

the time scale of the default notice???

The only possibility is if no default

notice was issued, this is very difficult

to prove.

Edited October 11, 2011 by BRIGADIER2JCS

[0Das0]

Hi, I'm afraid that there is no way

to tackle the default at this stage

in my opinion this is a correction

of an omission to file a default

as any deviation from the terms and

conditions relevant to the repayment

of the debt is a default, when

the entry is placed is not relevant

although this should be normally

within 6 months of the cause of action.

Were you issued with a default notice,

I would think so, did you pay in full within

the time scale of the default notice???

The only possibility is if no default

notice was issued, this is very difficult

to prove.

 

As it was a while ago I don't remember recieving a default notice from the intial Creditor nor the DCA, would it be worth doing a CCA or SAR letter?

 

Obviously if I knew they were going to put a default on my account I would have asked them at the time not to and offered to pay a full and final amount (which I did anyway). As there was no default on my account I assume it would not have been placed, but to see if turn up a month later after paying them in full has peeved me a little bit.

 

Any idea's?

[BRIGADIER2JCS]

I can see your point, I think

perhaps the CCA and SAR

might clear up a few points

CCA to the DCA SAR to the original

creditor.