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Paid Full & Final - they wont update credit file!


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Hi guys,

 

I had a debt from a BT internet contract where I lost my job and couldnt pay it.

 

It amounted to about £300

 

A debt collection agency got in touch so I offered them £100 as a full settlement.

 

They agreed and I paid, but when I asked them when they will update my credit file as paid they said the following

 

"n response to your recent email, sorry we do not deal with credit files as we are a collections company. Any information regarding this should be made to either Equifax, Experian or similar.

 

With kind regards CDUK."

 

Any ideas?

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Was any of the agreements including the F&F in writing or was this by talking on the telephone?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi guys,

 

I had a debt from a BT internet contract where I lost my job and couldnt pay it.

 

It amounted to about £300

 

A debt collection agency got in touch so I offered them £100 as a full settlement.

 

They agreed and I paid, but when I asked them when they will update my credit file as paid they said the following

 

"n response to your recent email, sorry we do not deal with credit files as we are a collections company. Any information regarding this should be made to either Equifax, Experian or similar.

 

With kind regards CDUK."

 

Any ideas?

Yes you must contact the Data Controller at the original creditors head office.

The account should be marked " partially satisfied.

Did you get agreement with CDUK that the remaining balance will not be chased in the future?

You can place a notice of correction on all the CRA files.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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you got fleeced!

 

 

who was the dca

 

 

and who was their 'client'

look at their threat-o-grams.

 

 

paying a debt off to a dca will not improve you credit rating

nor get a default removed.

 

 

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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Further to our recent communication we confirm we are prepared to accept £100.00 in full and final settlement of the above reference number, dependant upon your payment being received at this office within 14 days.

 

 

 

If you fail to comply with the settlement terms, the offer will be revoked and the full balance will become due immediately - payment methods are:

 

 

 

* Credit/Debit Card - Call 0844 7016156

 

* Online via our Secure Website - www.collectd.co.uk

 

* Cheque / Postal Orders

 

* Directly into: Nat West - Sort Code 55-70-23 - A/C No: 78581567

 

 

 

When making payments either via the post or via the bank please quote "Our Ref" to ensure allocation to your account. Please note that any credit record information held with credit reference agencies may show this account as partially settled, and any default details will not be removed immediately following payment.

 

 

 

Should you anticipate any problems, or experience difficulty in making the agreed payment please contact us immediately as late, returned or declined payments may result in the offer being revoked, or further action being taken.

 

 

 

You can also obtain free, independent debt advice from National Debtline 0808 808 4000, StepChange www.stepchange.org 0800 138 1111, or your local Citizens advice Bureau.

 

 

That was the email they sent me, I paid the money and asked them when they will update the file

 

Then they said

 

In response to your recent email, sorry we do not deal with credit files as we are a collections company. Any information regarding this should be made to either Equifax, Experian or similar.

 

 

 

With kind regards CDUK.

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as it says partial settlement = YOU ARE WASTING YOUR MONEY!

 

 

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

collect direct UK

 

 

extremely low life

 

 

when was this debt from?

 

 

and on their letter

who do thet state is their client?

 

 

something smells here.

 

 

HOW did you pay it off please

 

 

I'd go get your money back!

 

 

 

 

a DCA IS NOT A BAILIFF

and have

 

 

NO SUCH LEGAL POWERS

 

 

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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we confirm we are prepared to accept £100.00 in full and final settlement of the above reference number

 

Because of the wording, you should also take note that the F&F was with CDUK only, any remaining balance (Approx. £200) is still outstanding and open to collection from either BT itself or another DCA (either collecting on behalf of BT or as the new owners if the debt has been sold).

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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