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debt managers & a Catalogue debt


mkb
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My OH has checked his credit file & found that an unpaid debt to a catalogue company for £270

has been registered as a default on 01/02/14

despite having not made payment at all since 2009.

 

Balance history

Hide details

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec

2014 270 270

2013 270 270 270 270 270 270 270 270 270 270 270 270

2012 270 270 270 270 270 270 270 270 270 270 270 270

2011 270 270 270 270 270 270 270 270 270 270 270 270

2010 270 270 270 270 270 270 270 270 270 270 270 270

2009 270 270 270 270

Hide previous years

 

He doesn't deny he owes the money but when asked to prove that he signed the agreement, none was forthcoming & the company ceased chasing payment.

 

Clearly it has been sold on to a DCA but no contact has been made yet this default has now shown.

 

Should he:

 

a) ignore the date of default ?

 

b) question the default & if so, with whom ?

 

c) will it matter what the date is since, if I've got this right, it should drop off his file after 6 years since last payment activity on the account ?

 

He has other debts that he's made arrangements for so already has a trashed credit file but wants to at least have the trash being correctly applied !

 

All help appreciated :-)

 

 

 

AARGHHH !!! On reviewing the file, I note that it is only the updated date that has registered as 2014 - the actual default is 2009 !

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This DCA wouldn't happen to be Lowell or their whipping boy by any chance?

 

Andy

We could do with some help from you.

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Ah okay Lowell must not of wanted yours:wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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hope all his debts show on that cra file he is paying and he's CCA them?

 

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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hope all his debts show on that cra file he is paying and he's CCA them?

 

dx

 

Some, like his Barclaycard, were signed up for online so will have electronic sig, others haven't produced a CCA at all.

 

Those with no CCA are not being paid at all & the enforceable ones are being paid at an agreed rate, well below the due sum but each one is registered as in default.

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