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Then its not harming you or your score

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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it would seem that account is still open, though im rather reluctant to phone halifax and start the clock ticking or anything... i wonder could it poss relate to rbs... the bank i'm with now? aren't they connected? cos i have 3 accounts within rbs..all others go this year in july and november...hadn't checked this in over a year didn't even know...

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yes but why do you need to do anything it is not harming you

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, true.. i think i just want now to keep my record in the clear and wasn't sure what that was.. all other defaults will fall off this year... its a waiting game.i was lucky enough to win my cases with lowells and cohorts... so i didn't get ccjs..thanks to the great advice received here..so i'm coming out the other end of the tunnel.;)

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just wondering if it would be ok to contact companies to get the default date..of defaulted accounts?

 

i did receive some with court claim forms and won those cases,

but dont have that paperwork now and wondered if default dates in my credit reports are infact legitimate..

as i know debt collectors can be unscrupulous.

 

. would it damage my credit report to do this?

 

any answers much appreciated

Edited by dx100uk
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only original creditors can issue defaults

which they do typically before sale.

you could sar them now its free

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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3 threads on the same subject merged

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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Click sar and read it.

As already explained several times

a dca has zero powers to do anything let alone reset anything.

 

However when you read about the sar you'll see it should go to the original creditor anyway..stuff and ignore the dca

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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is satisfied date same as default? and will this drop off at the 6 year mark too? i have on my file a barclycard account which states satisfied 12/7/12 and then updated 5/8/12...which date is more important? why would it be updated?

 

BTW Thanks SAR thread very useful.

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no typically a satisfied date, with an accompanying £0 entry when there was a balance still outstanding then usually means the OC sold it off .

there should be an additional entry under the debt buyers name, with a defaulted date and the correct balance.

 

however yes the account with that entry should disappear around its 6th birthday , but it is not hurting you score any

neither will it improve your score when it does

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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well there are only a month apart anyway.

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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  • 3 weeks later...

the debt has been sold to a DCA

it must have been defaulted upon sale or before by the OC

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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my apologies,

yes i found defaults for 2012

.. but i got confused.

 

. i have 3 debts to do with a halifax accounts way back then..

 

one account is under this intrum finance dca..

and indeed i received a letter from them start of this month offering me deals..

such as paying off so much..

and wiping the rest off the records ,so to speak..

 

ofcourse i know this is just them trying to make a quick buck before the default date is up.

 

..that said there is another reference to this account saying settled, 2014.. at old address.

..about then i moved here to new address..

 

.another reference to halifax..(touched on this before) has yet another account number and says up to date..

 

. can't figure that out as i dont do halifax all these years

..did call halifax today..

. they said i need call local branch..

. but closed now...

 

some of these defaults are listed under my current address, when in fact , i was not moved to this address those years ago..

 

. any help appreciated.

Edited by dx100uk
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i have these intrum people onto this halifax account which reads settled and defaulted 7/11/12 at former address.

 

.they have it under present address as defaulted same time...

why at 2 address'?

 

if settled , why are they still pursuing this?

i'm guessing next move from them is claim form or is that too late?

sorry lot of questions here, but i'm confused.

Edited by cuchiandme
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When a debt is sold the entry by the oc will be marked as settled

And a duplicate entry is created by the debt buyer

As long as they dont change the oc's defaulted date

There is no issue

The address is immaterial

So it will drop off never to return 7th nov this year

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... 

Link to post
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