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DCA still reporting to CRA after I won successful court claim.


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I recently won against PRAC financial in a claim they made against me for a disputed PDL. (The dispute is still awaiting FO decision).

 

Exact reasons the judge quoted were no evidence of assignment of the debt to PRAC and no evidence of a Default letter sent.

 

Also their default was in the wrong company name.

 

My other thread regarding the claim...

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?484274-PRAC-BW-claimform-old-PaydayUK-PDL-Debt-***Claim-Dismissed***

 

 

Today I had an email about a change to my credit report. Turns out the change is PRAC reporting a missed payment.

 

Considering I won the claim what do I need to do to them. I assume writing to them stating the judge ruled no default/assignment so they have no right to either use my data, make changes to my credit record or in any way deal with me. Then demand they remove all entries?

 

Any tips/examples floating around that will guide me?

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you winning the case has no bearing upon your credit file.

they are still allowed to report upon 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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