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Hello all!

 

I have used CAG before but a significant time ago,

ive been avoiding problems for most of my young adult life

and have foolishly decided to never take charge or responsibility and my own actions.

 

 

I am now 28 and a father of 2 i have turned my life around in the general aspect I work and provide and want to fix all the damage i have done.

 

The problem is i have debt with a alot of companies,

I have access to my credit report through Experian And through Noddle.

The credit file is showing allot of defaults.

Some debt has dropped off and some debt is due to drop off soon.

 

My question is

i don't know where to start with dealing with it all, do i contact the stuff that's due to drop off? or do i leave it disappear.

My total Debt Value is around £2000 that is left owed to 3/4 debters

 

Another query i have is that Noddle holds debt info that experian doesn't ?

who do i follow here?

 

Any help provided will be seriously appreciated

 

thank you

 

Debts -

 

EE (Orange) £10 - Default date - 08/12/2014

EE £650 - Default date - 05/05/2015

NAtwest £502 - Defaultdate - 31/08/2010

VirginMedia £150 - Default date - 07/04/2012

 

The total balance of your defaulted accounts is £1,308.

 

"Credit Score" of 435

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are the debts still with the named companies

or do DCA's have them?

theres not really much you can do about the defaults

they are there for 6yrs regardless to paying the debts off or not

 

 

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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Im pretty sure the Debts are with DCA's

for example natwest is 6 years in august

is there even a point in dealing with this now ?

 

 

sounds terrible to say my most recent is 2015 and its already defaulted

so, isit best to just pay that off and then not take any more credit out until all my defaults are whiped clear in 2022?

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you certainly wont get the defaults remove

poss wait yes.

if the debts are owned by a DCA

their name will show as the owner of the debt, not say natwest

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'd just sit tight and wait for a letter to come from whoever currently owns it. If more than 6 years have passed between the date of last payment to those debts and current date, then theyd be statute barred, and you can write them off.

 

Just remember, the default date on your file has nothing to do with the SB date. The default date could be added months after the cause of action that caused the account to go into default.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ive had debt letters for atleast the natwest one before though ? does this mean they have returned it to natwest?

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Maybe, maybe not. Just sit tight and wait for the next round of letters IF they come. Then you will know for sure whats gone on. I wouldnt waste time or money writing to natwest or calling them. Theyd prob take that as a signal to update your file, and any DCA opening the floodgates

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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