Jump to content


Cleaning up file


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1076 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am looking at a mortgage hopefully next year so thought i would give the file a look. Good job i did as its in a right mess.

 

1. I have a debt of my fathers somehow on there, in my name but showing his date of birth, will this be a problem getting it removed?

 

2. Several debts with Lowells, which are all past 6 years old but showing recentish default dates, which are NOT the original default dates( shopacheck, vanquis).

 

3. A couple of debts that didnt default for ages, literally showing as red box with numbers in for 3 years befire a *D*

 

4. Debts that show as settled, plenty of red months ( i never settled them) but past six years old, shouldnt they be gone?

 

Any advice much appreciated.

Link to post
Share on other sites

Forget the calendar markers

What is the defaulted date in the debt summary

No dca can change that which was placed by the oc at sale or before

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
Share on other sites

cant be right

default should be within 3-6mts of when you stopped paying and the account should now not be showing.

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
Share on other sites

only the OC can issue Default notices

somethin not right here

when was it sold to lowells?

have a notice of assignment?

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
Share on other sites

Got no paperwork at all, not sure when it was sold.ll

 

Thing is I don't want to ring Lowell's as don't want to endanger acknowledging it if 6 years hasn't already passed.

Link to post
Share on other sites

Might be better to ring bgas as they can do it to all 3 agencies

You would have to complain to each one

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
Share on other sites

Thanks.

 

I have 3 shopaheck negative marks, all 3 have red boxes from 2011 with '6' in them(6 payments late) right up to 2015 when they are showing as settled. ( I didn't settle them) anything I can do with these? Should they be gone already?? No default date on any of them.

Link to post
Share on other sites

if they have no defaulted date then they wont be a problem to a mortgage application, they cant see the calendar markers.

which credit file provider are you using?

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
Share on other sites

Got no paperwork at all, not sure when it was sold.ll

 

Thing is I don't want to ring Lowell's as don't want to endanger acknowledging it if 6 years hasn't already passed.

 

You never ring fleecers

They are not BAILIFFS

 

Have you moved since taking this out?

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
Share on other sites

just as an aside

go check on say noddle

 

if debts have been sold on to a DCA , they must have been defaulted by the original creditors before sale.

 

you should have received notice of assignment from both the OC and the DCA or atleast from one of them.

somethings not right here in the stories of these debts.

 

if payments have not been made in over 6yrs and a default notice has not been served then they shouldn't be showing on your file.

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
Share on other sites

just as an aside

go check on say noddle

 

if debts have been sold on to a DCA , they must have been defaulted by the original creditors before sale. Not always the case....to assign a debt it does not necessarily have to be defaulted

you should have received notice of assignment from both the OC and the DCA or at least from one of them.

somethings not right here in the stories of these debts.

 

if payments have not been made in over 6yrs and a default notice has not been served then they shouldn't be showing on your file.

 

They could if only AP markers were placed...even without a default being registered .

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...