Transcom worldwide uk

[Ksmith32646]

Hi I have a debt with ebay. The balance atm is £2000.transcom have been taking payments off me for around £30.-40 a week for few months now does anyone know the timescale these dca keep the account for as when I first starting paying they said they only keep account for 3 month then one said 4 then 6 now it's 7 months before ebay recall it. Does anyone know the truth?

Any info would be appreciated

[mikeymack2002]

can you tell us in more detail what has actually happened please, please put up as much as you can and post any letter from the DCA's if you have any in PDF format so we can view and advise you better, it maybe you are paying way to much or that the debt is finally paid already and they are using you as a cash cow?

 

MM

[Ksmith32646]

No I haven't paid the debt off I check ebay each week I pay it is going down I would just like

To know if anyone knows how long they keep accounts for do they keep them till they are paid off

[mikeymack2002]

Ok they will keep their records as required for 6 years whether or not its paid as you are a "customer" and it is an income for them. The 6 years is a requirement under rules set HMRC but once you have finished paying it in full get it confirmed in writing that it is, as someone may try to pull a fast one and try their luck for more money with a different DCA

 

MM

[Ksmith32646]

So they are lying when they say they only keep the debt for 3 to 6 months then hand the debt back to ebay.do they keep it until it's paid?

[BRIGADIER2JCS]

If a DCA is assigned to collect/manage a debt they will continue to do so until the creditor recalls it or the debt is paid off.

What you really need to be doing is checking your credit reference files to see if there is any entry regarding this account. An entry on credit files if the account is defaulted remains for 6 years after the default date.

 

How long account records are kept is not really relevant.

[Ksmith32646]

I was told by them that no default can be recorded by transcom and that ebay wouldn't do it either as

Ebay are not a credit agency or a credit account

[Ksmith32646]

I only ask how long transcom keep it as they say if ebay recall it even tho I am making payments they might take it to court

[BRIGADIER2JCS]

A possibility depending on the amount owed.

In that case with TWW who can tell, it will possibly depend on the payments being kept up.

[Ksmith32646]

Ok I did speak to one normal bloke from them once he

Said if they see payments being made regularly they usually

Leave if with them

[BRIGADIER2JCS]

Ok I did speak to one normal bloke from them once he

Said if they see payments being made regularly they usually

Leave if with them

Best to give all the info you have, saves going over things twice.

[Ksmith32646]

All I want to know is if ebay can issue you a default without taking you to court because they are not

A credit person.

[BRIGADIER2JCS]

Defaults would come before court action, but as you this is not a regulated consumer debt, court action would be a possibility at any time.

[Ksmith32646]

Can ebay issue a default on my credit file without any warning?

Are they regulated to issue defaults

[BRIGADIER2JCS]

Can ebay issue a default on my credit file without any warning?

Are they regulated to issue defaults

See post 13#