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Good Morning CAG

Been good of late trying to rebuild my file when out of the woodwork , boom someone has the idea to trip you up and back down goes your score. Back around 2006, had an account of cheqeue cashing with a PB, i had a few financial issues and blah blah.

 

I was mentally unwell at the time and I am fairly certain I was issued with a default in around 2008 but not entirely sure, the period of my metal instability. No payments made since then , no contact.

 

On having something turned down I was certain I would get, I checked my file this week and a late payment entry has been made with a marker of 6, Ie no payment made in 6 months. So 2 scenarios, If they did originally default I dont believe they can again, and if hey didnt, can they really place a marker stating no payment in 6 months when its actually been around 8 years?

 

Your advise always greatly received and may ned further on Lowells issues after this

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Hi,

 

What was the date this late payment marker started ?

 
 

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.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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6 means default not 6mts

 

If the OC defaulted you 2008 the debt should not be showing now

 

Prove it!

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 2 scenarios, If they did originally default I dont believe they can again - This is correct.

 

, and if hey didnt, can they really place a marker stating no payment in 6 months when its actually been around 8 years? - As DX has said, this is not saying there's been no pay't within 6 months. But once the a/c was defaulted in 2008, it cannot be marked further down the line.

 

You need to write to whoever marked the CRA file wrongly and tell them to correct this within 14 days or you'll complain to the ICO and seek compensation.

 

You should also notify the CRA in writing that this matter is in clear dispute so they can mark it accordingly until it's resolved.

 

:-)

We could do with some help from you

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It's definitely SB'd if no pay'ts have been made by you since 2006.

 

But you now need to sort this with whoever has placed the recent adverse data on your CRA file.

 

Who placed the marker ?

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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You prove it - that it was defaulted by the OC

Send whomever owns the debt the letter giving 14 days to remove the account

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
You prove it - that it was defaulted by the OC

Send whomever owns the debt the letter giving 14 days to remove the account

Thats the issue DX athough I recall a few defaults around that time I can not say hand on heart this was one, I guess I am looking to establish if after 8 years without any communication they can mark my file with a default? With the SB can they still default after such a long period of time?

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Then you'd have to sar the OC.... Who is?

And what's the debt and who's the DCA?

 

Debt might not be SB,d in their eyes

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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