HSBC debt - dca defauled date is different to theirs

[jameslee1234]

Hi forum

 

I'm sorry to bother you all but I'm panicking.

I have a default which is supposed to drop off at the end of the year (almost 6 years) but when I checked my credit file I noticed that that there were two entries for the same debt/ default. One for the original bank and another for the DCA.

The problem was that the default date for the DCA was wrong and much later than the one the bank gave so I stupidly contacted the Credit Agencies to ask them to dispute the date as it was wrong and I gave them the correct date instead.

 

The agencies subsequently contacted the DCA with my dispute (presumably providing them with details) who in turn told the agencies to ask me to contact them to discuss.

 

I haven't contacted the DCA but I'm now panicking. Did I acknowledge my debt by asking the agencies to raise a dispute with details of my complaint?

 

Please help!

[mikeymack2002]

Don't panic Mr Mannering.. No you haven't but if you want further advice please post up the details so we can look at it for you!

[jameslee1234]

Don't panic Mr Mannering.. No you haven't but if you want further advice please post up the details so we can look at it for you!

 

Hello Mikey, thanks for responding.

 

i basically sent an email to Experian, Equifax stating that the 'original default date was the 13th December 2010 as stated by HSBC, but the DCA have stated that it is 5th March 2011, which is wrong. Can you please tell them to amend the date so that it falls in line with the date provided by HSBC'.

 

I'm p'ing myself as I know nothing about credit statutes etc and as a laymen, what I wrote sounds like an acknowledgement.

Do you think I'm okay or have I landed in it?

Edited January 27, 2016 by jameslee1234

[dx100uk]

No you have not ackd it

 

Dx

[jameslee1234]

Thank you kind people.

 

I need a paracetamol now.

[jameslee1234]

No you have not ackd it

 

Dx

 

The DCA are not updating the date until i contact them (according to the credit agencies). I don't want to do this as it might then trigger the acknowledgment.

If I wait until the correct default date has passed, is it safe for me to then contact them to get them to remove it?

 

By then, the original HSBC default would have dropped off, so it would be hard for me to prove the original date.

[mikeymack2002]

It's not your job to chase the debt and provide any information to a DCA wait until they contact you with something of substance.

 

 

Also if they do write to you then don't fret come back here and you will be guided through the mess we know as DCA hell. They MAY write to you say this and that, but don't fall for the bowlarks please come back and update your thread for more help ok?!! Also don't call the DCA either before speaking to someone on CAG!!

[mikeymack2002]

As a side note the best you did was to find CAG as some of us have been where you are now and others helped us in our first days.. Go and have a look at some more threads and see how they may lie to you and say one thing but mean another.. Be careful if in doubt please come back... Welcome to the debt forum....

[jameslee1234]

Thank you for your kind words Mikey.

 

I've been working extra hard to save up for a house and to apply for a mortgage next summer, however if the dodgy wrong default from the DCA is still there because of the wrong date, what would be the best thing to do?

 

Thanks

[dx100uk]

Who is the fleecing dca?

[jameslee1234]

Sigma - oooh how I hate them

[mikeymack2002]

We all hate DCA's (how's the head now?)

[jameslee1234]

We all hate DCA's (how's the head now?)

 

Much better thanks, but do you have any suggestions to my question above #9?

 

Thanks in advance.

[mikeymack2002]

The default will remain until its 6th birthday then it disappears. You have a few options, do nothing and wait or challenge the default date which could open up a can of worms. Ideally if you have a copy of the original default then wait a month or two after this has passed then you can then forward this to the CRA's and ask the DCA again to remove the incorrect details.

 

 

In the meantime keep on saving for that huge deposit. Time for a beer/wine...

[dx100uk]

Sigma red is Lowell's

 

Plenty of default removal threads here already

 

Simply write to Lowell's

Give them 14 days to remove the default

Else you'll raise the matter with the ICO

 

Include proof of the. Oc defaulted date

 

Dx

[mikeymack2002]

DX how many trading names have Lowell got seems far to many!

[jameslee1234]

Thanks everyone!!!

[citizenB]

You could always ask for a copy of your credit file with the disputed information on it and the correct date of when the Original Lender placed it.

 

Or take a screen shot.