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    • dx100uk
      Advise on debt I currently hold

      By dx100uk · Posted

      1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • dx100uk
      Parking Fee Paid But Input Incorrect VRN - Discussion thread

      By dx100uk · Posted

      if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • dx100uk
      Advise on debt I currently hold

      By dx100uk · Posted

      receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

LLoyds loan defaulted in 2006

The Debt Star

By The Debt Star
in Lloyds Bank

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The Debt Star

The Debt Star

Posted
Posted

Had a loan with Lloyds defaulted in 2006. Earlier this year they sold the account to Wescot.

 

lloyds marked my CRFs as "settled." The default is still there, but settled.

 

Wescot have just filed the same debt (which they now own) as a default with the CRAs. The dates for both are the same (2006 default) but can they file 2 separate entries for the one debt?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

As the original file is settled and the new one

has the same date, you could request the

removal now of the original, although they

will probably consider that it is a true picture

of the account.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The Debt Star

The Debt Star

Posted
  • Author
Posted

right so it is possible to have two defaults filed for the same debt then. because that's what it is. 2 "Default" markers for the same debt, same start date, same default sum, same default date. Just 2 separate entries now. Great.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

It's no two defaults the original has been

settled by a debt purhase and so is settled

the ''new'' entry shows exactly the same details

It seems this is a ''change'' showing up more

recently though as there was usually an updating

of the files by a new owner, which often led to

2 enitirely different entries niether showing settled,

far more damaging than 1 settled and the '' new one''.

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The Debt Star

The Debt Star

Posted
  • Author
Posted

ok, but does that mean the "settled" one - which still has a red "Default" blob on the payments history - stays on my file for 6 years afetr Arrow settled it or does it come off on the anniversary it defaulted?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

All default entries are removed on the anniversary of the

default date paid or not.#

Brig.

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247orbital

247orbital

Posted
Posted

Only the owner can register the original default date, if Lloyds have sold the debt then they have no right to process your data any longer. The purchaser of the debt becomes responsible for all CF entries.

 

I had a similar thing with Natwest and they removed the listing as soon as I made them aware of it.

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

Sold or not the original creditor will

still be holding records for 6 years,

how else would we be getting information

by Subject Access Request??

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247orbital

247orbital

Posted
Posted

Retaining information for 6 years is required under law, this does not give companies the right to list your data with the CRA once the debt has been sold. This responsibility passes over to the purchaser of the debt.

 

As always SAR the original creditor and always double check that default date.

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

I did not say it gives any right to the creditor

to process the data,only that it is retained.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The Debt Star

The Debt Star

Posted
  • Author
Posted
Retaining information for 6 years is required under law, this does not give companies the right to list your data with the CRA once the debt has been sold. This responsibility passes over to the purchaser of the debt.

 

As always SAR the original creditor and always double check that default date.

 

Hi m8. I already have the SAR and its defo the SAME debt. The DCA purchased it from Lloyds earlier in the year. On Equifax there are TWO entries - both with Defaults recorded for this same debt.

 

Interestingly, on Experian the Lloyds debt was simply changed to the name of the DCA, so just the one entry there. Equifax is the problem.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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The Debt Star

The Debt Star

Posted
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I had a similar thing with Natwest and they removed the listing as soon as I made them aware of it.

 

So you recommend a letter to Lloyds, as opposed to Equifax, pointing out the duplication?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
that was the impression your post gave, more misinformation. Its becoming a recurring theme from you Brig.

 

If you bother to read the post properly I clearly said the oc will be holding records

not processing them, quite clear and explicit, for any one of even a low reading age

in my opinion.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

Hi, DS, you always need to contact the company

that plced the entry on the file, and copy in the cra and

place notice of dispute on the entry.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

there is also the delay on Equifax which cause you

to see the last report that you ordered which may

no longer be current so you do not see updates at

that point.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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