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Help with a default please gratten/kaleidoscope


mummy38
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Hi I have had a default put on my account in May for something I wasn't aware off.

 

I rang the company that have recorded it and they said it was with a sister company of theirs.

 

They have recorded the default at 121 but they said on the phone it's 88.

 

They are claiming I ordered stuff and never paid for it.

 

I ordered the items 2 years ago and I paid them weekly till they were paid off, over about 3 months. My bank records show this.

 

I got no letters or anything regarding this. At 88.00 if I had known I would have paid and put it in dispute as opposed to having a default

 

What can I do to fix this. I have asked them to send me full statements of the account which they said they will

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Hi,

 

Think you will have to wait until the statements arrive, you could always dispute the default with your credit ref agency and they will then contact whoever placed the default to check whether it's accurate.

 
 

Any advice I give is honest and in good faith.:)

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I don't think there's much more you can do until you get the information.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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whos the company

 

 

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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Right so a catalogue debt

Same lot Grattan is the parent group

 

So you've sent them an sar to get all the statements?

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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Share on other sites

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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Share on other sites

at the date of the default what is the balance just the £27 or + £12 charges

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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Share on other sites

The balance is 87.12 and 60 of that is 5*12.00 charges

 

Default date is may just gone and I wouldn't have known only I checked my credit file.

They were sending correspondancr via email to an email I no longer use

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so you simply missed paying £27 that you did realise was owed

you got your calcs of the items over 3mts wrong?

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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Yes basically, and I am happy to make that payment in full. Is there anyway of getting the default removed

 

The 27 is made up of delivery and interest charges that hadn't been applied due to some returns I had made the last time I had checked the account.

I am perfectly happy to pay.

It is a genuine mistake

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cant see it myself

what troubles is it causing you - mortgage application?

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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Share on other sites

yes thought so

 

 

i'd write or email the CEO a pleasant pleading letter.

 

 

explain the £27 was a genuine mistake

indicate that the resultant default

it is causing you issues with being able to better things for you family and its future

 

 

offer to pay the sum outstanding on the clear understanding that the default is removed

indicate that you feel the additional £12 penalty sums are disproportionate

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 will do thanks. If at any time they had written to me I would have realised and paid. Unfortunately as they communicated by email to me it has gone un noticed

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