How to remove a fake entry fabricated by a DCA from my credit report. Is the next step the IC?

[Guest]

Thanks for the tips. In the end I went with the pdf route.

 

A nice letter for a Saturday morning, don't you think?

 

 

[ATTACH=CONFIG]32559[/ATTACH]attached

 

nice one. keep hold of that

they have confirmed the statute bar, so they should not pursue it. (as stated in the oft guidelines etc)

[BRIGADIER2JCS]

nice one. keep hold of that

they have confirmed the statute bar, so they should not pursue it. (as stated in the oft guidelines etc)

 

A little bit of a grudge in that letter me thinks BUT tough eh:madgrin:

[UpOverTheEyeballs]

Yes Brigadier2cjs, they enclosed a wad of papers that purported to 'show' that the debt was valid and collectable. However, since they'd never pressed this point in a court in the last 6 years it was all very immaterial.

[silverfox1961]

A little bit of a grudge in that letter me thinks :

 

A LITTLE bit. I'd say they were highly miffed and all the better for it. All that letter is saying is that although we can't focem you to pay, would you mind paying into our shareholders fund- Per-lease

[BRIGADIER2JCS]

The over riding point that MUST be remembered is

that there can be only ONE default date for any debt,

so if a debt becomes SB before the 6 year period has

ended the default date CANNOT be changed by the creditor

or DCA to extend the the ''life'' of the debt past the six

year original period, the time difference is usually very

short anyway.

[UpOverTheEyeballs]

Brigadier2cjs you raise an interesting point: I understood the concept of statue-barring being linked to the 6 year date since last admittance of the debt. However, in your last post you intimate that SB could possibly occur prior to the 6 yr date. Is is possible to explain or state if or when this would occur?

 

Many thanks

 

UOTE.

[Guest]

i think brig was referring to being stat barred before the 6 year expiry of a default. and that a 'new' default date cannot then be registered from that date of the statute bar.

Edited January 7, 2012 by Ford

[BRIGADIER2JCS]

i think brig was referring to being stat barred before the 6 year expiry of a default. and that a 'new' default date cannot then be registered from that date of the statute bar.

Example date of last payment December 2010 date of default Feb 2011 sb date dec 2016 default

removal date Feb 2017, no new default can ever be registered against the same debt, rarely

are the two dates the same, some creditors will remove the default when they are informed that

a debt is statute barred others will insist that they a required to leave the defaulted account on file

until the anniversary of the default date.

[UpOverTheEyeballs]

Thank you Brigadier2cjs, it all rests upon the difference between SB, which is a legal issue, and default date, which is a CRA issue.

 

So a late default can stretch the elapsed period quite a while I would guess.

 

Rgds

 

UOTE

[BRIGADIER2JCS]

Thank you Brigadier2cjs, it all rests upon the difference between SB, which is a legal issue, and default date, which is a CRA issue.

 

So a late default can stretch the elapsed period quite a while I would guess.

 

Rgds

 

UOTE

It can, but it does no change the SB date

which is the date on which a payment

was due and no further payments were

made for the six clear years.

[sillygirl1]

Don't you just love how THEY can misuse the law and guidelines and yet if WE do it it is a different story.

 

Reconstituted paperwork should be BARRED from making a debt enforceable via court.

[UpOverTheEyeballs]

Too right sillygirl1

[dx100uk]

Don't you just love how THEY can misuse the law and guidelines and yet if WE do it it is a different story.

 

Reconstituted paperwork should be BARRED from making a debt enforceable via court.

 

and it doesn't , on its own

 

but where there is a clear financial 'link' and a history of transactions

it will be a very stupid judge that agrees with you.

 

dx