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You need proof of last payment as advised before ...to get anyone to change a default date


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yes was thinking to do that...

can anyone please tell me if a dca can legally still call my phone or write to me when something is statute barred?

 

pra group have been calling me about a default due to drop off tomorrow...

i imagine friday was their last phone call...

. or can they persist in anyway after ?

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Go read our sb letter you sent and the ref'd conc rules


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statute barred letter i take it you mean... could you please send link again? not done that yet...and they called on my phone today, it went barred yesterday.

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I thought you'd already sent them one?

Though you waffling about a nothing here


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no, as it was not statute barred until yesterday...i meant found the letter link..

sorry if it sounds like i "waffle" but i get confused at times due to my ocd.

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Well p'haps its better not to try and deal with these issues whilst its bad..

 

Its not like sending the sb letter will cure anything bar the odd annoyance.. Which is all a dca can be or do anyway

 

Id not send anything yet


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ok, right... here is something on my mind right now..re; statute barred...does statute barred apply if the debt collector has been phoning or writing letters within the 6 year period even if i have not replied or acknowledged the so called debt?

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another query..can the credit reference agency continue to show a default after 6 years...in whatever manner...? i refer to experian who have put defaults under closed accounts..what is the cut off date for showing statute barred accounts?

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Nope only payment or use of the credit by you or a signed letter by you can ever reset the sb clock..once a debt is sb'd not even a judge can unbar it


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ty...and what about experian still holding records on me after the 6 year marker? can they be forced to remove them? equifax are easier to sort out...and simpler to see...and remove the records fast..

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They are not harming you


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Why?


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are you saying it does not harm my credit rating if defaulted accounts are still on my credit file after 6 years?

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Defaulted accounts should not show after 6yrs nor re appear after 6yrs


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ok, but i mean that experian are still keeping defaults that are statute barred , on my file

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But they are in the posters case....so how are they appearing ? AP markers ? or just a case that Experian are lax ?

 

Or is there a particular problem with this defaulted debt ?

 

If its statute barred write to them and tell them to shift it...its over 6 years.

 

 

Andy


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ok thanks ... did tell them but they have done nothing

 

Told them or have you wrote and requested a Notice of Correction ?


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24th July 2018 16:44 ….no, as it was not statute barred until yesterday...i meant found the letter link..

sorry if it sounds like i "waffle" but i get confused at times due to my ocd.

 

you need to wait +30days.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Single Premium PPI Q&A Read Here

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

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not written to them in any way... think i phoned them... can i demand notice of correction? or must i wait ?

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cant seem to check now what they hold on me. but they say i lost 70 points on my score, cant think why, not incurred any debts

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