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HFC reporting 6 payments late since 2008


bumpusbug
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i checked my experian about a year ago and it was fine, fine again today.

 

I have only about £3.5k of unsecured debt and can manage this quite easily

 

but I was surprised to see an account in arrears on my equifax report..

 

.an old loan i was a guranteeror on in 2008 (stupid and young, for an ex bf)

the last payment was made in 2008 june and since then its showing as this..

 

6 payments late since december 2008.

 

now the current balance is showing as £450 for an outstanding amount of £270 and I can easily clear this in two payments

(1 if the car wasnt getting mot'd next month!) and understand that i will have to live with this adversity

however if its not been paid shouldnt it have hit default by now?

 

I have written to HFC twice an they have come back asking for signature to look into the matter

so today I have sent official CCA request highlighting they do not require my signature to send me this information.

 

any tips on how to deal with this?

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probably PENALTY charges thre then.

 

i'd sar them

 

and get reclaiming.

 

prob got PPI too.

 

if the months that show as late are because of PENALTY charges

 

then if you reclaim the charges, they MUST remove the markers.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i would suspect you have PPI

 

that would wipe the debt out

 

and put some to your pocket.

 

wasn't a car loan was it?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yep

 

BF are HFC in sheeps clothing.

 

put a line in the SAR

 

this is to include copies of any/all agreements that i am involved with to your company, as guarrantor or otherwise

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yep

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

dont know of a CRA that tells you what the markers are either.

 

they mark late/over the same as far as ai know. with just 1.2.3

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you mean you have 6 as the number against every month since 12/08.?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

thats not HFC then

 

and it is defaulted though

 

its EQ's way of doing it read the key on the site as to what the numbers mean.

 

 

the CRA system is in some respects 'automatic'

 

once the owner reports 6 markers

they system aoto marks it 'D', '8' or whatever

to denote it defaulted for 6mts.

 

IMHO i would complain to EQ

 

why is it showing AT ALL

one their report and not on others ...something smells.

 

have you tried noddle?

 

dx

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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strike that! It shows on Experian and equifax, it seems i entered a previous address wrong on experian and there it is, popped up.

Not defaulted on either, just marked as 6 payments late for every month since dec 2008. its the only crap thing on my file altho didnt stop me from getting credit in the last 4 years apparently!

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not that i can recall but as i said earlier it was for an ex and when we split and im oved out moved i just simply forgot about it. funnily enough i was on electroal roll at all my addresses so actually find it odd I havent heard from them.

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post 2.

 

let see what the SAR tells us

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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