Dispute raised and change to credit file

[Mpatton81]

Hi,

 

I recently disputed a default date on my file.

 

 

It was dated 2 years after the actual date.

 

 

Since the company didn't reply to Equifax,

 

 

they have removed the debt from my file until the company reply.

 

 

However it's been 4 months and they still haven't replied.

 

My question is, will the other CRA's be notified to remove the mistake,

 

 

or will I have to contact the other 2 companies myself?

 

Thanks

[BRIGADIER2JCS]

NO.

[Mpatton81]

Hi,

 

I sent a SAR away to Black Horse, as I am disputing the default date on my credit file.

 

 

They have defaulted me in Jan 2012.

 

 

However, I've received all my documents and on the screen prints from their computer systems,

an entry dated 05/08/2008 says " Repudiation Default".

 

Can anyone enlighten me as to what this means?

 

 

I also have default notices issued in 2008.

 

 

Should I send a notice of correction through the CRA's?

 

Thanks in advance

[citizenB]

Have they actually entered a new Default date or is this just an update ?

 

 

I would have thought this would now be removed from your credit file if the original default date was August 2008 ?

 

Did you receive a Default Notice from Black Horse in August or before ?

[Mpatton81]

Have they actually entered a new Default date or is this just an update ?

 

 

I would have thought this would now be removed from your credit file if the original default date was August 2008 ?

 

Did you receive a Default Notice from Black Horse in August or before ?

 

I don't remember to tell you the truth if I got one in 2008. But, Black Horse have supplied me with copies of one though, so I presume they did. And according to their system notes, they wrote the debt off in Jan 2012, which is the date the CRA's hold as default date. They then passed the debt to "DCA as there is no legal ops".???

[Mpatton81]

Hi,

 

Can someone point me in the direction of a thread or website, that gives a step by step guidance on the process of an OC selling or passing a debt to a DCA?

 

Thanks

[citizenB]

Hi,

 

Can someone point me in the direction of a thread or website, that gives a step by step guidance on the process of an OC selling or passing a debt to a DCA?

 

Thanks

 

Not quite sure what you are asking here.. but if I understand correctly.. this is the process

 

Debtor fails to pay creditor - creditor makes some attempt to get debtor to repay - issues default notice which not remedied - creditor decides to assign/sell the account to a debt purchaser.

 

Either Original Creditor or Debt Purchaser is required to advise debtor of the assignment/sale.

 

Does that help ?

[citizenB]

there could be a scenario where the debt isn't actually sold, but is merely passed round a few DCAs for collection only. Whilst you pay the DCA, the original creditor still retains the actual debt.

[Mpatton81]

Sorry. Here's the situation.

 

HP agreement defaulted with £2500'ish outstanding.

 

 

DCA now chasing for it.

 

 

Have sent (and received) SAR from OC, and

 

 

there's no mention of the DCA anywhere.

 

 

No notice of assignments.

 

 

Also, the debt is still with OC according to CRA's.

 

 

Not mention anywhere that a DCA has the rights to the debt.

 

Does that make sense?

 

 

Thanks

[dx100uk]

what does your CRa file say about the debt?

 

 

if you've had no notice of assignment from the OC/DCA

then the DCA can be ignore

 

 

tell us more about this debt please

dx

[dx100uk]

is this your welcome loan or the BH one?

 

 

dx

[Mpatton81]

It's a HP agreement with Black Horse for a car lease. It is my wife's account.

 

BH sent a default notice in 2008, but my wife continued to make token payments of £25 until May 2010.

 

 

Haven't heard anything for years,

 

 

now out of the blue - Nolans solicitors are chasing.

 

 

They say they are acting for Hillesden Securities.

 

 

I obviously sent a letter disputing this, as Black Horse still showed on the CRA's as owning the debt. At the same time I sent a SAR to Black Horse.

 

The SAR came back with no mention of Hillesden Securities.

 

 

Although their internal computer notes say "passed to DCA", it doesn't mention a name, and there are no Notice of Assignments.

 

Nolans have now replied stating the debt was for a Hire Purchase agreement with Black Horse, and included a signed CCA.

 

 

However, there is still no mention in any paperwork about Hillesden owning the debt.

 

I've done some homework on Nolans, and they look the real deal. Not just a DCA's own shady solicitors. They act as Messengers at Arms and so forth.

 

I'd also like to thank you for your help with Welcome. Got it all sorted eventually, thanks to your help.

[dx100uk]

threads merged for history

 

 

nolans usually get involved in lemon debts.

 

 

its their dca wing you are dealing with

so don't be fooled they can act as bailiffs in this instance.

 

 

if you have proof from the sar that BH issued a DN in 2008

you need to write to BH and demand the debt is removed from the CRa companies

its more than 6yrs old [the DN] and the debt should not be showing.

 

 

what PENALTY charges habe BH levied

and what silly insurance were you made to take out

 

 

time to get reclaiming!!

 

 

you are safe to ignore nolans

 

 

dx

[Mpatton81]

There aren't actually many charges. 4 x £30 for "collection activity fee". And there is no insurance. We were always savvy about PPI. I have already gotten the default removed from CRA's.

 

My concern was solely, can Nolans now enforce this debt as there is no paper evidence that Hillesden own the debt. The last payment was May 2010, and as I'm in Scotland, it will be statute barred in May anyway. I just need to ride it out till May.

[dx100uk]

nolans are puppets you can safely ignore them.

 

 

here are a few letters they use

I too am in Scotland and they have been used twice

going nowhere fast!