2 year old orange phone debt and lowells DCA - default removal

[juliano]

Hi all,

 

I recently got hold of my credit report and was happy to see that it doesn't contain any old debts which are over 6 years old.

 

However, I have a 2 year old mobile phone debt that has been passed to a DCA that I would like to pay off and that is showing on my report.

 

The problem is the same agency is still chasing me for another debt even though I haven't contacted them for over 6 years (maybe 10) but this one does not show on my report.

 

My questions are

1) if i pay the phone debt will they then be able to stick the other debt back on my credit report and / or pursue me for it?

 

2) will other DCAs also come out of the woodwork sniffing around for some cash?

 

My main point here is that I'd like to get my credit rating back to good or at least normal (I'm less worried about threatening letters since the debt is well over 6 years old).

 

Thank you!

[Bazooka Boo]

Q 1) No.

 

Q 2) Who cares?

 

Even if you pay the 2 year old moby phone debt it will remain on your credit file for six years, and DO NOT pay the DCA (who is it) Pay the OC direct.

[juliano]

Thanks!

 

The DCA is Lowell. So I should pay the original creditor as in the phone company?

[dx100uk]

YES

 

but it wont get rid of the default.

 

tell us about the debt

 

dx

[DonkeyB]

If Lowell are involved, the account has probably been sold. Have you ever received a notice of assignment? Who is shown as administering the debt on your credit report?

[juliano]

Yes. My report says it is Lowell. If I contact them about this debt I don't want them to open the case regarding the old one. I am not sure why they just don't attach a payment slip to the letter.

[dx100uk]

because you never PAY a dca ever

 

tel us about the debt please

 

dx

[juliano]

Account Type: Communications Started: 17/04/2010 Default Date: 19/04/2011 Default Balance: £929

 

The debt is showing on my credit report as an 8 (The account is in 'default'. You failed to keep to your credit agreement and have not responded satisfactorily to requests to bring your payments up to date, so the credit agreement has ended.)

 

Orange said they no longer have the debt and it has been sold.

[DonkeyB]

Have you received a notice of assignment?

[juliano]

That would have come from Orange? I will check. Thanks.

[DonkeyB]

Not necessarily. May have come from Lowell. It would have stated that your account has been sold to Lowell. Could come from either company.

[dx100uk]

Account Type: Communications Started: 17/04/2010 Default Date: 19/04/2011 Default Balance: £929

 

The debt is showing on my credit report as an 8 (The account is in 'default'. You failed to keep to your credit agreement and have not responded satisfactorily to requests to bring your payments up to date, so the credit agreement has ended.)

 

Orange said they no longer have the debt and it has been sold.

 

i would suspect there is something wrong with the account

 

they rarely sell anything but lemon debts.

 

how the hel did you run up £1k debt in 24months?

 

dx

[Bazooka Boo]

Account Type: Communications Started: 17/04/2010 Default Date: 19/04/2011 Default Balance: £929

 

The debt is showing on my credit report as an 8 (The account is in 'default'. You failed to keep to your credit agreement and have not responded satisfactorily to requests to bring your payments up to date, so the credit agreement has ended.)

 

I thought moby debts were a service agreement not a credit agreement? Or am I missing something?

[dx100uk]

thats prob just a std 'explaination' by default by the cra FAQ

 

dx

[Bazooka Boo]

thats prob just a std 'explaination' by default by the cra FAQ

 

dx

 

Cheers...sorry

[juliano]

Hi all,

 

I can't find the letter to say that it has been sold to a dca

but I'm pretty sure I had one and just threw it away, my mistake.

 

Hamptons (?) have been trying to contact me so I assume they have the debt now.

 

I ran up 1k in phone bills due to crazy data roaming tariffs and over seas calls when I was working.

 

Someone I know was recently declined a mortgage due to an unpaid phone bill that appeared on his credit report.

[dx100uk]

the owner will be listed on the cra file.

 

if orange have sold it

they know its a lemon debt

 

dx

[juliano]

sorry what is a lemon debt? a debt that cannot be enforced?

oranges and lemons eh.

[BRIGADIER2JCS]

That's it, unenforceable no paperwork, poss statute barred.

[juliano]

But this particular debt isn't older than 6 years.

[daverules]

Brig was explaining what a lemon debt was.

 

Ok so SB is not possible so how about the paperwork, send a SAR request of to them and go from there.

[juliano]

I will send an SAR request. Many thanks you wonderfully helpful lot.

[daverules]

Don't forget, SAR go's to Orange with a £10.00 postal order by recorded delivery and they have 40 days to comply.

 

Letter in library.

[BRIGADIER2JCS]

Use the template from the CAG library there is £10 statutory fee to pay they have 40 days to comply so send addressed to The Data Controller by recorded delivery so you can check when they receive it the 40 days start then.

[dx100uk]

just click the underlined SAR

 

dx