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    • I received PCN's from TFL and Southwark. 08/06/19 I spoke with Southwark regarding PCN's and thought it was sorted.   Didn't hear anything back until 17/01/20 when my car was taken by Marston EA. TFL & Marston say they sent letters but have no proof.   I emailed TFL (19th June) through their online portal and again, via email on (14th Nov 2019) < the email on 14th has been viewed 17 times but no reply. (so I have proof of contact, they don't) I asked them if they send via recoded delivery/signed for but they do not.   When my car was taken, I received a call from a friend saying it's on the back of a truck, outside his house (which is round the block from mine). I ran round there and the EA was aggressive, shouted at me and refused to show ID/why he had taken my car.   I complained to Marston who denied it but sent me some of the footage. I complained again through resolver.co.uk and Marston lied again. Then I sent ALL my info and evidence etc.   took a few weeks and called me saying sorry and taking full responsibly for their EA's aggressive behaviour etc. TFL are still refusing to comment.   Marston offered me £250 as a goodwill payment but obviously the pain and trauma causes - that doesn't cover it. The police were called when they took my car cause I was so distressed and having a panic attack etc.   I've requested the phone call recording where they accepted guilt and that they had handled everything badly, including lying about the video on Resovler. I feel like Marston know they've done wrong, but TFL still aren't in the know. (to my knowledge)   Also, I requested info from TFL via whatdotheyknow.com and TFL did a data protection breach by uploading my full details including address etc. to a public forum (and I didn't even ask anything specific about my case) so I feel like they did this out of spite/anger.   the www.whatdotheyknow.com team reprimanded them for this and advised me to complain. I also paid £800+ to retrieve my vehicle and I have completed the OOT which was denied. I tried to take it to court but when I tried to do the 'low income' thing but they wanted bank statements which I couldn't get... then corona happened.   I've downloaded/uploaded the ZIP file from Resolver convos.   Regarding the footage: my initial message to them, I made myself seem unaware and 'stupid'   they wrote a generic reply telling me that 'the footage is fine and the EA did nothing wrong' they can't uphold my complaint,   then once they sent that; I sent them the CIVEA rulebook and timestamps in the video to show that they were in the wrong and had further lied in their official response (which must be illegal)   when they received the in-depth response, I think they got scared, went away for a couple weeks   tried to get the nice sounding woman to call me up, say sorry and be really nice then offer me a measly £250.   She also tried to rush me into agreeing.   
    • No it was about under by a couple grand.    Cheers
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periwinkles

Defaults and getting a better understanding ?

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Hi, I am new here but been reading a lot of helpful info and thought id post my own question for clarification.

 

I have a default on my account ... (as is the way when you are young and stupid ) anyway it is about to close and drop off my file this month and next.

 

I read here that accounts drop off after the last listed default.

 

 

There is one account i have default registered 2008

- first one but there is a debt collectors agency registering a default somehow

... last year

... i am viewing this via a credit report that gives the monthly status of the account and goes back a number of years.

 

 

I have not tampered with this account i have not given reason for them to move things or the clock to start ticking again ..

 

My question is .

. that default they registered last year ..

. does it start the clock again on it or does it go off the original ..

 

thanks in advance for reading my blurb and apologies if this isn't in the right forum .

 

 

.. kinda lost on navigation.

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Hi and welcome to CAG

 

The important date is the original default date which was in 2008. Once a debt is sold, the new owner replaces the original creditor with their own name however, the original default date must stay the same. They are allowed to update you file on a monthly basis and place the date of that update but nothing more.

 

If they have changed the original date to a more recent one then that is grounds for complaint.


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Thanks for the Reply! :-D

 

Well, The drop off date is next month .

.. it actually states this on the credit report.

 

 

But on the side panel - i use check my file.

 

 

There is the monthly update of the account that that agency holds for you and

 

 

i noticed that they listed it as Default this time Last year.

 

 

I will wait till the end of the year and if it hasn't dropped off, then yes you are right i will file a complaint.

 

Cheers on the input, much appreciated!

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All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

the WHOLE ACCOUNT WILL VANISH, never to return.

.

however, this does not mean the debt itself is not still owed

consider a CCA request.

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

 

 

..............

 

 

ignore the monthly 'markers' they are not important.

 

 

its the defaulted date in the debt summary line that triggers the above.

 

 

NOTHING or no-one can change that date.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thats very good news!

 

I will request a CCA i think,

 

 

since this debt was back from when i was 18 and a student

even the most organised people don't keep quite so many details that far back ...

 

 

maybe i should have but i wouldn't know where to start now.

 

 

The CCA agreement will then state what .

 

 

. how long they may challenge me for the debt .

 

 

. does this count even though its been sold on ?

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to enforce a debt

whomever 'owns' the debt now

MUST hold an enforceable signed agreement.

 

 

esp if the credit was taken out prior to Apr 2007


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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So by that would that mean the original signed document passed over to them ?

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they must have it to do anything

 

 

CCA them.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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