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    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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Advice Needed with DCA's & Default Notices


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I have a number of defaults on my credit reports they are about 4 years old.

 

 

I am thinking of writing to each creditor/collection agency asking to produce copies of the default notice and the credit agreements.

 

My question is this.

 

 

If a creditor or collection agent cannot send me copies of the original default notice

and the original default becomes unenforceable

 

 

is it possible for them to issue a default notice following this for the same account?

 

 

therefore a 2nd default on that same account would be on reports for another 6 years?

 

Thanks in advance.

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nope can only be defaulted once. By the OC

 

 

are you paying these fleecers?

 

 

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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Well I'm unsure what to do to be honest.

 

I have 3 defaults with Lowell Portfolio

 

 

1. A couple of weeks ago i received a CCJ notice.

 

 

I paid the full amount the next day so it wouldn't go to court so that account is settled.

 

 

The other 2 i have arranged a payment plan with Lowell to ensure that the other 2 accounts don't escalate to CCJ's.

 

if i send them a letter requesting the default notice etc and it turns out to be unenforcable they cannot issue anymore defaults for that account as it has to be the original creditor?

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so you never questioned the legality of the debt

before blindly paying a DCA to prevent a CCJ?

 

 

that's prob why they are doing this now

 

 

they mugged you blind.

 

 

forget the default notice arguments for now

the CCA is more important

if you are blindly paying

 

 

what are the debts?

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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I’ve made a couple of posts on here and the responses have been very helpful.

 

 

After reading through this fantastic forum I have decided to outline each of my defaulted accounts in detail

and I would appreciate if someone could give me advice on what to do next.

 

As you will see the majority of the accounts are over 4 years old so ant action

I take I could do without the risk of court litigation arising from this action (if possible).

 

Just to note that I have no previous experience of challenging DCA’s or Creditors

nor have I had any experience of the court process (until recently –explained below)

 

So here goes.

 

Cabot Financial (UK) Ltd (Credit Card Account)

Account Started: 25-10-2010

Default Date:20-01-2012

Default Balance: £306.00

Balance: £304.00

This was a Cap One CC. I haven’t made contact with Cabot as yet. I do have a CCA & Default notice request letter prepared.

 

Lloyds Bank

Account Started: 20/04/2012

Default Date:21/21/2012

Default Balance: £30.00

Balance: £0

I had a 2nd Current account which went over limit. I would have cleared this being a very small amount prior to the default being placed but I didn’t see the default notice.

 

Vodafone

Account Started: 02/12/2011

Default Date:01/05/2012

Default Balance: £65

Balance: £65.00

What to do with this please?

 

Lowell Portfolio 1 (Communications Account)

Account Started: 19/07/2010

Default Date:31/08/2012

Default Balance: £151.00

Balance: £0

 

Now approximately 2 weeks I received a letter from Northampton County Court which was a notice of pending court action.

 

 

When I received this letter I panicked,

I rang Lowell and they explained a 3rd party was now dealing with the account on their behalf (Lucas Credit Services).

 

Whilst Lowell had me on the phone (just after receiving the CCJ letter)

they told me I had 2 other accounts with them.

 

 

These are listed below and it will explain what I did.

 

I spoke with Lucas and stupidly paid them the full amount including costs which was a total of £997.63.

I really wish I had educated myself before paying them

it was honestly a knee jerk reaction and I walked straight into their trap.

 

Lowell Portfolio 1 (Vanquis Credit Card Account)

Account Started: 19/07/2010

Default Date:31/08/2012

Default Balance: £1245.00

Balance: £1,245.00

Whilst speaking with Lowell after receiving the pending CCJ notice on the above account I agreed to setup a payment plan with them for £25.00 per month. I paid them £12.50 on the phone there and then.

 

Lowell Portfolio 1 (Communications Account)

This is the 2nd account Lowell told me about during the phone call.

Now I have access to all 3 CRA’s I can see there isn’t an entry for this account.

Whilst speaking with Lowell after receiving the pending CCJ notice on the above account I agreed to setup a payment plan with them for £25.00 per month. I paid them £12.50 on the phone there and then.

 

Wonga

Account Started: 31/08/2011

Default Date:30/12/2011

Default Balance: £1151.00

Balance: £1151.00

In Feb 2015 I received an email from Wonga stating that they have bought back the account and I no longer have to pay Wonga nor PRA Group Ltd any money. They also stated the CRA’s would be updated accordingly. 1 year later this account is still on my credit as unsatisfied.

 

PRA (UK) Group Ltd (Payday loan)

Account Started: 11/04/2011

Default Date:01/12/2011

Default Balance: £1056.00

Balance: £1056.00

Now I believe this account is the same account as Wonga. I cannot recall anything else at that time with that value.

 

Natwest (Current account)

Account Started: 17/12/2001

Default Date:31/08/2012

Default Balance: £457.00

Balance: £0

This was an old current account with an overdraft.

 

Any help on what to do next would be very much appreciated and if you need any additional information please let me know.

Thank you in advance.

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Well on some if them you fell for their threatening letters. Bad mistake.

 

As for all those that are credit account send the CCA to all of them this goes to the DCA dealing with them. Cancel the payments and arrangements until you have these documents. You should have come here first. Better late than never. It may now pay you to start individual threads for each of your debts in the correct forums.

 

Vanquis: I bet there are plenty of fees to reclaim and their ROP too. Get the CCA'S off to each of the DCA'S asap.

 

Vodafone head over there and look for the link to contact the Web advisor call Lee.

 

I will update shortly on the others.

 

In future don't call a DCA pop in for further advice. Only call them if you must then record your calls keep everything in writing. But tbh stay off of the phone completely.

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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old & new thread merged.

 

 

just send the CCA request to those it applies too.

there is no point in sending any default query letter etc

or whatever you are going on about

the defaults are there till their 6th birthday.

 

 

might be an idea to split the mbile accounts off

and go start a thread in the telecoms forum.

 

 

same for the Payday loan stuff

in the payday loan forum.

 

 

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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So i have an update regarding the Wonga & PRA defaults.

 

Last night i sent an email to Experian asking them to raise a dispute for these defaults as i believed they are for for same Wonga account.

Today i had a response.

 

Thank you for your contact received on 23 February 2016

 

*Wonga Com(Account started 31/08/2011)

*PRA Group (UK) Ltd(Account started 11/04/2011)

 

The entry recorded by Wonga Com shows the name of the company that the debt was originally owed to. The second entry recorded by PRA Group (UK) Ltd shows that the debt has now been sold to another ompany to collect.

 

Although the debt is now being recorded twice, only the entry recorded by the debt collection agency will have an effect on your credit rating.

 

Both entries will be retained on your credit report for six years from the default date.

 

If you require any further assistance, please do not hesitate to contact us.

 

Following receipt of this email i rang Experian to ask them if they 100% sure they were the same account and they confirmed they were. They raised a dispute their end.

 

Me being quite an impatient bugger i decided to ring (i recorded it) Wonga. They confirmed that my account should of been updated due to the buy back. They asked to email them a screenshot of the unsatisfied default from my credit report. I will do this tonight.

 

Again being impatient i decided to call PRA UK again i recorded the call. PRA UK have absolutely no record of me whatsoever! Not for the conga debt or anything else!

They have asked me to send a screen shot of the default record.

 

What should i do next other than the screen shots? Is there a template available to order them to remove an incorrect entry i can send along with the screen shot?

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