DCA collect payment for debt from family member then register default.

[0Das0]

Hi Guys,

 

Delving into my credit rating seems to have brought up quite a few issue's I never knew of.

 

Mackenzie Hall have registered a default notice against my credit file.

 

This relates to an old debt that was registered to my mothers address, she had told me people kept phoning and asking for me saying I owed money however I believed it to be the other Creditors I was speaking to.

 

I have now found out that they had called so much and told my mother numerous lies about court action and fines that she actually paid the debt!! Then to top it off I have checked my credit file to find they have registered a default against me without a letter or word of warning.

 

I am at a loss to know where I stand on this. Obviously the debt has been paid but the principle of getting an elderly woman to pay it and also to register a default after said payment just stinks.

 

Any idea's folks?

[dx100uk]

this is why you should never ever talk onthe phone to a dca

 

get your mum to do a chargeback immediately

 

http://whatconsumer.co.uk/visa-debit-chargeback/

 

as for the default

i would suspect they've not done

but its an old one, that now has their name against it?

 

is the debt owner now listed as the DCA on the cra file?

 

dx

[0Das0]

Thanks for your reply. This all happened over 4 months ago so it is over the 120 day charge back limit. I have

never spoke to the DCA on the phone, they called my house phone where the debt was originally registered. Since

I work away for anything up to 6 months at a time I have never had any telephone contact with the DCA.

 

The debt owner is now listed as the DCA on my credit file. It is also marked as satisfied.

 

Not sure there is much I can do? As a CCA is only valid whilst the debt is outstanding?

[dx100uk]

its marked as satisfied...how can they collect on it then?

 

i'd ask about chargeback

some are more than 120 days

 

dx