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Satisfied Default


johnny28
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Hello, I'll try and make this short, sweet and to the point.

 

In 2007 I went a few pence overdrawn with the nationwide.

this amount grew with £30 charges being added every month.

 

I spoke with Nationwide and came to an agreement to pay xx amount monthly, which I honoured.

 

I then receive a letter from a debt collection company stating that I owe £154 (this included their charges).

 

I phoned Nationwide and obviously wondered why this had been passed to a debt collectors when I was paying this monthly.

 

Nationwide said that is was because I didn;t pay the interest associated with the debt/charges

which i disagreed with as this had not been pointed out to me when I had made these monthy arrangments.

 

They dismissd that claim and stated that it would had been discussed.

 

So they slap a default on my credit file, I pay the £154 to the debt collectors (through gritted teeth) and the default has been classed as satisfied on my credit file.

 

My question is do i have a case to get this satisfied defaut removed from my file and how would I go about doing this.

 

Many Thanks

 

Johnny

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it'll disappear on the defaults 6th birthday

 

paying it was a waste of money

 

esp to a DCA

 

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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Pm brig. Im pretty sure, although not 100% that if the cause of default was the banks charges, then the default shouldnt have been recorded in the first place.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I think it's part of the ICO's guidance. I'm sure someone can jump in to confirm it tho.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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yes you can do that, but it'll prob take a good few weeks

what is the default date>

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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nope cant be.

 

sure thats not the update date

 

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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Name Date of Birth Terms0 @ £ 0 (Monthly)StatusSettledCurrent Balance£ 0Start Balance£ 0Credit Limit£ 0Default / Delinquent Balance£ 157Start Date02/08/2004Date Updated06/02/2009Date Last Delinquent Date Satisfied06/02/2009Default Date06/02/2009

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scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

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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Start Date02/08/2004

Date Updated06/02/2009

Date Last Delinquent

Date Satisfied 06/02/2009

Default Date 06/02/2009

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Can i ask if you made any payments to the debt, or acknowledged it in writing between the start date and default? It's probably nothing, but im just curious why it was entered and then satisfied on the same date. Unless a lowlife DCA took it over and added it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hmm. If theyve passed it on while you have been paying, then something smells fishy. Since the entire debt is pretty much unfair charges, then we have our answer. Time to get reclaiming and wipe that debt out.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Nationwide said they passed it to a dca because I didn't pay the interest on the charges.

I'm not too bothered bout reclaaiming the bank charges as I know there was a case a few years back to stop people reclaming them and the bank won? I just want the default removed as I beleve its unfair as I was paying the charges back

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THose charges were unfair and caused the account to default.

 

You need good and concrete proof to get the default removed, and if your info is right, then you have it. However, you should still see about reclaiming those charges/fees as the bank as pretty much admitted they are unfair. If they really thought they were enforceable, they wouldnt have sold the debt to a lowlife DCA.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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no it was unfair because the default SUM included PENALTY charges

 

The Information Commissioners Office guidance states.

That if a default sum is made up of charges that without such

charges a default would not have been placed

then NO default should be placed.

 

 

have you the DN they sent?

 

or did they?

 

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

no it was unfair because the default SUM included PENALTY charges

 

The Information Commissioners Office guidance states.

That if a default sum is made up of charges that without such

charges a default would not have been placed

then NO default should be placed.

 

 

have you the DN they sent?

 

or did they?

 

dx

 

I have lookd for a default notice and can;t seem to find one, it may have been throw out as it was 3 years ago.

 

How do I go about resolving this?

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THose charges were unfair and caused the account to default.

 

You need good and concrete proof to get the default removed, and if your info is right, then you have it. However, you should still see about reclaiming those charges/fees as the bank as pretty much admitted they are unfair. If they really thought they were enforceable, they wouldnt have sold the debt to a lowlife DCA.

 

 

I'm assuming there is a procedure they have to go through to sell the debt?

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I'm assuming there is a procedure they have to go through to sell the debt?

 

as such yes

 

however, you need to confirm the DID sell the debt

 

on your CRA file who is show against the debt?

 

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

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