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Pasetos

Starting to face up to reality!!

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Well the last use/payment or acknowledgment

on the BH is Nov 2004 what is the default date

on your file??


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Only annoying thing is they never defaulted the account until April 2008

 

Regards

 

 

P

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Emm another question what is the company

named as placing the default it is not unknown

for DCAs to claim that the default date is when

they aquired the debt which of course it is not.


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ummm dont think i can get that from credit file info - I just logged back in it doesnt say the debt has been sold on - the Barclays one does - it says The account and liability has been transferred to another company. but god know what company!!

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ummm dont think i can get that from credit file info - I just logged back in it doesnt say the debt has been sold on - the Barclays one does - it says The account and liability has been transferred to another company. but god know what company!!

Which CRA are you using.?


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equifax online - i have a paper copy of my experian file too - BH not on that one

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That is odd.on one main CRA and not the other

and no refernce to a default date.

My opinion now is that you need to do

a Subject Access Request under the Data Protection

Act 1998 to get all the info BH hold on the account.

Default date/last payment date and who owns it now

Cost is £10 they have 40 days to supply the info, use

template in CAG library.

WE may yet get a result on this Paul.:madgrin:


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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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ok will do this tonight - whats the best outcome of this? - and from a SB point of view what happens? am i still not acknowledging the debt?

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Hi Pasetos there are a number of anomalies here,

one CRA shows it at assigned to third party, the

other has nothing, with the amount of the BH

account I would expect entries on both.

It means or could mean the default is now past

6 years, (not the same as SB)

SB date is usually at least 1 month prior

to the default date.

It is not impossible that this one is now out of the

picture.

Edited by citizenB

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am I opening a can of worms writing to them?

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am I opening a can of worms writing to them?

 

No, all correspondence is headed ''I DO NOT ACKNOWLEDGE ANY DEBT

TO YOU OR ANY COMPANY YOU MAY CLAIM TO REPRESENT''

A lawful request for information is NOT acknowledgment of liability

of the alleged debt.


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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kk thanks

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Ok have just got pin for credit expert so checked my stats on there - it says my credit score is "fair" lmao i thought would be VERY poor - so confused!!!

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Hi Pasetos the ''mythical credit score'' 3 numbers that really are

just meant as a day to day indicator of the likelyhood of you

being granted credit, don't rely on it potential lenders certainly

do not.

It's the account entries/searches/ public info etc you need to

look at.

Particularly any defaults (date of default/date last payment).

On another site you may be ''poor'' or ''good''.

Edited by citizenB

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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