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default just appeared - shop direct cat account

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Hi Everyone

 

A default has effectively just appeared on my credit record.

 

Its for Shop Direct Finance Company LTD

 

Account was opened on 10/10/12.

 

Default showing as registered on 24/10/18

 

The status history on noddle starts with the default.

There is no information going back beyond the date of the default.

 

Ive been paying a DMP through stepchange, and i have 2 payments for Shop Direct Finance Company LTD.

Another one, and I assume this one.

Although the account numbers and amounts dont match up.

So it might be an entirely new one.

 

This seems like either a mistake or a rather cynical attempt to default it before it drops off my credit file.

Which seems like a punish me rather than a serious attempt at debt enforcement.

Im also not sure if they hadn't already defaulted it.

As if they had it would have fallen off my credit report by now.

 

Whats your thoughts?

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So make a complaint to whoever added the default late and threaten to involve the ICO. The ICO has advised previously that there should not be unreasonable delay in defaults being registered.

 

Your complaint letter should go to the Data Protectiion and compliance officer at the creditors head office address.


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when did you open the account

who's name is against the default?

SD or a fleecing DCA?


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I opened it october 2012.

 

Its to the original creditor not a DCA.

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well ideally they should have defaulted after your 3rd missed/short payment.

 

the issue you have is I bet they're selling this on hence the default now


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So what to do?

 

I got into financial issues in may 2013.

 

i almost certainty would have defaulted a couple of months later.

 

Write to them and ask why they waited so long to default me?

Or just CCA to get more info?

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they default on selling the alleged debt usually to Capquest. is the norm it seems also credit fees then immediate add them back on, make sure you keep copy of last payments/adjustments on sell of keep safe


:mad2::-x:jaw::sad:

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maybe bite stepchanges' behind?

they should have ensured all accounts were defaulted charges stopped and int frozen hen the DMP was started...


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Can I CCA this company to find out if they have already defaulted me in the past?

I suspect they have

 

just checked clearscore and the pot thickens

 

Clearscore show the account since 2013.

It shows as no payments missed.

Then in September 2017 the payments stop.

It dosent show late or missed, just stopped.

 

In noddle it shows from November 2017 as a straight default.

No payments before this date.

 

According to stepchnage there has been no break in payments.

 

Whats going on? And how do I fix it.

 

Im 5 years into a DMP, where my defaults are starting to drop off.

This puts me back 6 years....

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you sar SD


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This is another of those, get info from the companies, then report back here situations huh?

 

On it!

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