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Safety Net Credit PDL repayment and CRA File


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Hi all, just want to confirm what i propose to do is correct.

 

i had a £140 credit limit with SafetyNet Credit (owned by indigo michael)

it was origonally showing on noodle as a credit card type service,

 

 

i got it, paid it back,

got it again, paid it back etc....

 

 

eventually i got in to some issues paying it back so

A. i changed bank accounts and

B. i wrote to my old bank asking for any CPA from them to be declined in case any money did go in to old account.

 

 

This is a fairly new debt and the total balance is now £185 which i don't think is too bad to be fair, they have stopped the interest etc..

.. and i have said i will pay the £10 per month for 6 months then £30 per month for 3 months and £35 on the last month,

so the balance will be clear in 10 months, they accepted this.

 

My question is,

this debt is now not showing on noodle anywhere,

not as a late payment,

not as a default,

not as a closed account,

it has just vanished,

 

 

i said to safetynet credit that any payments i make are on the condition a default is not place on my credit file,

marked as a late payment, fine, and fair, ill accept that, but not a default

as we now have a aggreament in place to pay it off,

 

 

they said we can;t garuntee this and a default may be placed but they were not sure,

i just replied with, if a default is placed the payments will stop.

 

Why has this vanished off noodle, why does it come under a credit card when it is more of a PDL type thing.

 

Am i doing the right thing. Advice always welcomed :)

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It could be it's being sold or transferred to a DCA it may turn up again soon

 

I have been in Direct Communications with SafetyNet and they have agreed the repayment plan, what is my next step if it is handed to a DCA, deal with them or just continue to pay and deal with SafetyNet

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You ignore any powerless dca until/unless you receive a notice of assignment

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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Have you explored irresponsible lending route?

 

If your credit file was crap or you already had numerous loans when you got this one

It might be a case of this being written off?

 

But if you are happy to pay do so

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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