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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s 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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Royal Bank of Scotland is part of NatWest. Halifax and Bank of Scotland are part of the Lloyds group.

 

HB


Illegitimi non carborundum

 

 

 

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then do you think it might be part of my rbs account?

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s 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
spacing

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s 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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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what is SAR? and would contacting the companies start the clock ticking again?

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s 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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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thanks.. and what date will it drop off? satisfied or updated date?

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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further to this i just read that a satisfied date can lead the entry to stay on a credit file for a further 6 years...any truth in this?

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recorded as satisfied stays on there the term from original the default date recorded even partial satisfied


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

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but there is no default date.. are you saying its there no matter when satisfied? not sure what you mean

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a default issued or not???


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

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s 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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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ok thanks, other thing is a barclycard reference only has settled and date satisfied july 2012... no default..will that drop off at that date?

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