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Default Notice by DCA Years Later? on PDL debt

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Hi - I have received an email from a debt buyer who claims to have sent me a default notice this week.

 

They claim the debt was assigned to them in 2013 so can they really issue a default notice now and threaten to notify the credit agencies? Surely any default notice would have had to be issued by the original owner?

 

And surely any default period on my credit file should start from first non-payment not years later?

 

Is this genuine or a lie to intimidate?

 

Thanks

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An email?

 

Can you post it up?

Cut and paste?

Remove any personal information....

Edited by dx100uk
quote/spacing

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Original Lender : X

Your Reference : X

Date of Assignment : XXXXXX2013

Balance at Assignment : £X

Current Balance : £X

 

You will have received a default notice - you should contact X immediately

 

Dear Mrs X,

 

You were recently posted a default notice from X due to your breach of payment as per your consumer credit agreement. As you have not paid the full amount or made a successful payment plan you have broken the agreement.

 

You now have 21 days from the date on the Default Notice to repay the full amount outstanding. If you decide to not comply with the Default Notice before the date shown, we will:

 

(1) Terminate the agreement and demand immediate payment of all monies due

 

(2) Refer your account to a debt collection company to recover the outstanding balance

 

(3) Pass details of your account and default to credit reference agencies

 

You can arrange payment and find out more about default action on our website, follow the link to our Default Notice Page: X

 

If you would rather speak to one of our advisors to arrange settlement or find out how X can help, please call our office on X.

 

If you need any help or advice, please click the link to visit our website for a comprehensive list of independent not-for-profit organisations who can give free, confidential and impartial debt advice X

 

If we do not hear from you your account will stay in collections and we will continue action to recover the full balance owing.

 

Please check that the payment is affordable to you and will not affect your ability to pay your other financial commitments including your priority bills.

 

Our website has budgeting tools to help check affordability, comprehensive FAQ's and debt help and advice.

 

 

Kind Regards

 

 

 

If you have received this email in error, please notify us and delete it. If you are not the intended recipient, you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited.

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Does it look like it could be an account of yours?

Do the numbers at the top mean anything to you?

Have you received anything in the post?

Edited by dx100uk
quote/spacing

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A DCA cant issue a Default Notice...they are not the creditor..only the original creditor can issue the Notice...which would/should have been issued the default at the time of default.

 

Please name the OC and the DCA then we can complete the jigsaw and advise accordingly.

 

Regards

 

Andy

 

Thread moved to Debt Collection Agencies Forum.


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Hi Andy - as I said in the post it’s not a DCA it is a debt buying company that claims the debt was assigned to them in 2013 ie they purchased it

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Some DCAs are Debt buying Companies...some are richer than others....but there all DCAs


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Well the original creditor was a payday loan company and this company claims assignment in 2013

so going by your comment above that only original creditors can issue default notices

I am to take it that this email/letter is a lie to intimidate me?

And if they notified credit agencies they would have to use the original dates and not put it on as a default from now?

 

Thanks

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Well the original creditor was a payday loan company and this company claims assignment in 2013 so going by your comment above that only original creditors can issue default notices I am to take it that this email/letter is a lie to intimidate me? And if they notified credit agencies they would have to use the original dates and not put it on as a default from now?

 

Thanks

 

Correct...so who is this DCA Debt buying Company ? :-)


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S l l c r a p i t a l

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S l l c r a p i t a l

 

Mmmm never heard of them so cant tell you how they usually act on these matters...and how you should deal with them.

 

 

Andy


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have you looked at your credit files to see if they are trying to do what they say?

it is a newish perspective, defaulting after up to 5 years in an attempt to punish people for not paying up and ruining their credit scores for another 6 years if left as is.

 

Unfortunately the ICO doesnt take kindly to this when the banks first tried it on about a year ago

so if it is there then you complain to both the credit reference agency and to the ICO about the abuse of process and the incorrect processing of data.

 

If a dca bought a debt then the default notice would have to be issued beforehand as a debt buyer cant default the debt

Edited by dx100uk
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retitled and moved to the PDL forum

 

no need to keep inserting blank spaces in names

 

sllcaptial are very litigious.

 

have you moved from the address you were at when you took this out?

 

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Sllcapital&sa=Search+CAG#gsc.tab=0&gsc.q=Sllcapital&gsc.page=1


..

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no but loads of backdoor CCJ's and claimform in that search here strange..


..

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Address unchanged; no credit file entry currently exists

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when did you take the PDL out?

 

dx


..

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2012 I think; certainly that’s when last payment was

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cant be the takeout date then

does the credit file not tell you?


..

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Currently no credit file entry at all; their email threatens to tell CRAs

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Currently no credit file entry at all; their email threatens to tell CRAs

 

No information registered or passed the 6th anniversary from the OC ...so nothing to update...they can only amend the OCs data...not submit their own.

 

Andy


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SLL Capital are based in Croydon...

 

Andyorch - Do you remember Safeloans... The PDL Crew? - Well they evolved from Safeloans to SLL Capital...

From one bag of misery to another bag of misery (PDL Industry to DCA Industry)


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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SLL Capital are based in Croydon...

 

Andyorch - Do you remember Safeloans... The PDL Crew? - Well they evolved from Safeloans to SLL Capital...

From one bag of misery to another bag of misery (PDL Industry to DCA Industry)

 

Ah okay...just had search back and we have only ever had 5 claims from them going back to 2007...11 years..no wonder I didn't recall them.:-)


We could do with some help from you.

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