Defaults on file

[up_to_my_eyes_in_it]

Hi,

 

 

Am I right in thinking that, before an OC can sell the debt on, they have to default me first?

 

 

If so, am I also right in thinking that the DCA who bought the debt cannot, therefore, default me again?

 

 

I have 3 defaults by the DCA which were about 12 months after the OC defaulted me. The original defaults should have disappeared by now , but the DCA defaults are still on for another year.

[up_to_my_eyes_in_it]

Anyone help me with this?

[dx100uk]

no they don't have to default you

but the new owner CANNOT change the defaulted date in the summary

if one exists already

 

 

they cannot default you either [only the OC can issue a DN and place a default.]

[that which appears in the summary of the debt

- not the monthly 'markers' in the calendar of the debt]

 

 

a debt buyer can update the markers yes.

 

 

dx

[up_to_my_eyes_in_it]

no they don't have to default you

but the new owner CANNOT change the defaulted date in the summary

if one exists already

 

they cannot default you either [only the OC can issue a DN and place a default.]

 

[that which appears in the summary of the debt

- not the monthly 'markers' in the calendar of the debt]

 

a debt buyer can update the markers yes.

 

dx

 

So I suppose then I would have to DSAR them to see if they defaulted me and when?

 

Problem with that is,

I have not heard anything since 2008 so don't really want to rock the boat as it all comes off in 6-7 months.

 

 

If I DSAR the OC,

suppose they will contact the debt buyer and start hassling me again

 

 

I remember receiving defaults in 2008 from the OC, but credit file has them down as 2009

[dx100uk]

you are confusing monthly D markers with the status default date in the debt top line summary.

 

 

is there one?

 

 

dx

[up_to_my_eyes_in_it]

you are confusing monthly D markers with the status default date in the debt top line summary.

 

 

is there one?

 

 

dx

 

Hi, no I understand the monthly defaults. I have 3 defaults on my file ( default notices issued). I remember getting defaults in 2008 (DN's) but now the credit file says they were issued in 2009. I assumed the DCA that bought the debt issued further default notices a year later

[dx100uk]

they cannot change the defaulted date the oc placed.

 

 

are you sure this is not just an 'update' to the default date?

 

 

if you have proof complain to the ico

 

 

dx

[gprit]

Similar subject so trust ok to post here?

I had a Default notice from NWHL in 2012 for not keeping up mortgage payments. This was for approx £550,000.

Subsequently the amount owing has been reduced to £40,000.

 

Checking my credit report last month I see two things:

1) The entry does not state it is defaulted - it says satisfactory

2) The balance on the NWHL mortgage shows £465,00 approx - a figure I cannot reconcile with anything.

 

I wrote to NWHL asking them to correct the balance, but they have replied stating that as the entry was registered when the default notice was issued they cannot amend.

 

Is this correct? have I

[dx100uk]

Similar subject so trust ok to post here?

I had a Default notice from NWHL in 2012 for not keeping up mortgage payments. This was for approx £550,000.

Subsequently the amount owing has been reduced to £40,000.

 

Checking my credit report last month I see two things:

1) The entry does not state it is defaulted - it says satisfactory

2) The balance on the NWHL mortgage shows £465,00 approx - a figure I cannot reconcile with anything.

 

I wrote to NWHL asking them to correct the balance, but they have replied stating that as the entry was registered when the default notice was issued they cannot amend.

 

Is this correct? have I

 

 

start a new thread

 

 

of your own

 

 

dx

[Old Cogger]

they cannot change the defaulted date the oc placed.

 

 

are you sure this is not just an 'update' to the default date?

 

 

if you have proof complain to the ico

 

 

dx

 

ICO will tell you to make an official complaint to the DCA or Originator before coming back to them, also require copies of original entry also new entry showing dates, problem is the original notice has gone once they alter to themselves

ICO will jot accept that the original entry has been replaced so cannot send copy, yet I sent copies of Default and then sold off to letters , they still were useless as found out in the past!