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Hi Just received my credit file and after getting into a bad financial situation

 

I have a total of 19 defaults on my credit file!,

 

11 are due to drop of this year and

3 next year

the rest are around 2022,

 

for the latter do you think my credit file will improve If I pay them of so they are marked as satisfied?

or should I just wait, none of them are chasing me for payment at the minute

 

Just edited to add one is for a mobile phone debt that I was paying for 2 years at £35 per month, it says I owe £550.00 now

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short ans is NO.

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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Ok thanks, just going through them I see one from Lowell for £160 saying a default notice served last year, I have no idea what this is for, also a default notice from united utilities when I am not even registered here to pay the water

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so UU must have been at an old address?

the debt summary will tell you the type of debt

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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use another cra provider

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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Experian is the better of the free ones

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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All your credit score means is that you are reliable in borrowing money and paying it back over a long period of time....plus substantial interest. If you are not wanting a mortgage, then there is really no need to borrow money... at all.

 

Over the years, I have learned that my credit score has never risen much beyond poor.

I have borrowed money from credit unions which I have paid back without fail.

I finally managed to open a basic bank account with the Nationwide which provides me with a Visa debit card.

 

If I were you, I would stop worrying about your credit score because you could end up over-extending yourself in borrowings.

 

As for United Utilities:

I am in a similar situation with Anglia Water where they have placed two defaults on my credit file for alleged water debts.

They refuse to tell me where they got my details from, so that is a clear breach of the Data Protection Act.

They have failed to provide me with a contract or even a ' deemed ' contract.

 

What you have to remember is that no third party can bind another in a contract.

With the help of the Information Commissioners Office, I am challenging these entries.

I'll keep you informed if you like.

 

The defaults on your credit file I would go about getting removed, are those that don't drop off until 2022.

Anything over 1 year is usually ignored depending on the type of debt, and certainly those over 3 years old are disregarded.

Edited by dx100uk
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yes I would be really interested how you get on,

mine is a bit of a unique situation,

 

I have been in the house since 2010 living with my partner (he moved in 2011)

house solely in my name (housing association).

 

To be frank I never received a water bill so I just never bothered pursuing it.

 

my relationship turned violent and I moved out of the residence for 6 months until I got him removed

during this time letters were arriving from UU addressed to me and he was returning them 'not at this address' the default was entered during this time,

 

I still have not got my water rates sorted out and I really want to phone them in case they got for A ccj

at the moment I cant afford to pay them

 

I am over £3k in rent arrears and under a suspended possession order so I am working my butt of to pay them back, but I am annoyed over this default

Edited by dx100uk
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  • 2 weeks later...

Hi I have received a default notice today from SLLCAPITAL for a debt that is over 6 years old, the original creditor was Access FAST MONEY it was for an old payday loan.

 

Will this be put on my credit file? and if so how do I challenge it as the default was not sent out in a timely manner

 

The date of assignment was Feb 15

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Thread moved to PayDay loans and Short Term loans - General Forum...please continue to post here to your thread.

 

Regards

 

Andy

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the debt has already been removed because the OC defaulted you and its been removed [+6yrs old]

doesn't matter what these fleecers send you

it cant be put back on

 

IRL time me thinks as going by your other thread

you have numerous loans already with 15 differ ing PDL providers?

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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the debt has already been removed because the OC defaulted you and its been removed [+6yrs old]

doesn't matter what these fleecers send you

it cant be put back on

 

IRL time me thinks as going by your other thread

you have numerous loans already with 15 differ ing PDL providers?

 

yes they are all years old though, havent had one since 2012

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  • 1 month later...

Just wondering as I have a number of debts defaulted 2012/13, even though these debts are sold on to he likes of Lowells who wait years before court action, so in effect you can have a default for 6 years and if they go for a CCJ near the end of default then that one particular debt can stay on file for 12 years

 

Surely there should be in place a law that makes it harder for them to sit on debts so long

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you'd think so

 

but sadly no

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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  • 1 month later...

Hi Just need some advice really,

 

I had numerous PDL all defaulted, I dont want to go into my personal details but I was having a really bad time and things just snowballed, continuing on the cycle I received 3 more loans when my credit file was absolultry appaling

 

They were with Creditstar £300......now with CRS, DCA

 

Provident £900 now with Lowell

 

and H AND T £250, still in house even though defaulted on payments aroubbd 2015 (this is not registered in credit file it just shows in current loans as late. i.e no default issued.

 

I want to pursue these loans as irresponsible lending I dont want compo I would like them washed of my file or else I know for a fact Lowells and CRS will come after me in court.

 

My question is how do I go about this if its with DCAs?

 

at the time my credit file was showing over 10k debt all defaulted,

 

thanks in advance

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Then follow our irl guide and send each pdl lender a claim

 

As for lowells and crs

What are the debts all about?

And no they wont win in court if you correctly defend it!

 

And no you cant get default s removed even if you pay up

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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