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Hi All,

 

I have been browsing the forums for a while and am finally in a position to aim to repair my credit file.

 

This is where I stand at the minute:

£428 - Lowell - Showing as Defaulted in 2014(not sure of original creditor)

£767 - Kapama - this a payday loan and is FAR FAR higher than original debt to i beleive minicredit - Defaulted 2014

£216 - Myjar - Defaulted 2016(don;t understtand this as had no contact since February 2015)

£77 - Lowell - Defaulted 2014, again, unsure of original creditor

£251 - MKDP - Defaulted 2011 - Again, unsure of original creditor#

£291 - British Gas - Defaulted 2014

£1368 - British Gas - Defaulted 2014

£865 - British Gas elec - Defaulted 2014

 

As you can see I was in quite a mess but I aim to sort this out. I have got kind of lost within the forums and wonder if anyone would be able to respond or DM me on where to start.

 

The questions I have are many but start with, how do I check original creditors with the debts that are with the likes of Lowell, Kapama and mkdp. I know I need to send them CCA requests but the issue I have is I beleive a couple of them are for debts that I have had no contact with since around 2009 so past the 6 year statute. so how can lowell etc re-add a default that the original creditor already defaulted me on.?

 

Basically... where do I start and can I through negotiations have defaults Actually removed from my Credit file(I aim to get a mortgage soon)

 

Many Thanks

Me

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You know what to do, get the CCA requests off to them with the exception of british gas, i dont think those will be covered by any CCA but you can ask fir statements if account.

Ultimately tho if these are genuine debts and you have defaulted on them, it will be very difficult getting them removed.

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Hi, Thanks for the response and I understand that with the DCA's I have a good chance of getting all info removed but the issue I have is.. is it ok for a bank for example to have registered a default against me and then a DCA to reregister a default for what is in all intents and purposes an exising default?

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Did the bank default you?

There are many cases where the banks "could" and probably "should" have issued defaults but didnt.

What we are seeing is a big rise in banks waiting until an account is getting close to being at the point where it would naturally drop off your credit report, only to sell it on to a DCA who immediately default you.

In many of these the OC/bank continues reporting but with a zero balance and the DCA shows as a new account but in default, stuffing you for a further 6 years.

This is something i too am fighting atm with Barclaycard.

Utterly underhand and wrong IMO but unless you challenge it either through the ICO and/or court, they will continue to do so.

Even when the ICO order corrections, it sometimes still requires a court directive for them to comply.

 

In short, far from easy to get them removed and certainly not by simply paying them, that makes zero difference.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Thanks... again..

 

The bank issued a default against me(this was sometime in 2008 and no longer shows on my credit report) and then sold the debt... this is where I have an issue. Is a default able to be placed on what is essentially the same debt.

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No, you cant be defaulted twice for the same debt.

 

If you can prove they are both the same debt ie via your credit report then you have a case to take to the ICO

 

This may involve obtaining historic info from the CRA's to show the original default and then the transfer to the DCA and new default for same debt.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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