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Mr Lender 2016 loan now SLL Capital have put a default on my credit file


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Me again,

 

So out of the blue SLL Capital have put a default on my credit file for a Mr Lender Loan from 2016 that i never repaid.

 

Can they do that?

 

The Mr Lender loan isn't on my credit file before this

 

I will of course do a irresponsible lending complaint to Mr Lender, is it worth sending a prove it that i owe this debt to SLL Capital?

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Mr lender would have done it upon sale

A debt buyer has no powers to alter your file

 

The fact the debt didnt show till now is anybody's guess

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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ah yes on closer inspection Mr Lender closed the account on 15/03/2016 and marked the account as settled.

 

I check my credit reports everyday and SLL Capital have only added this to the call credit report today, are you saying they are not allowed to do this?

 

If so what should i say to them?

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Nothing you can say. Its allowed. The OC would have put it there just before the sale. It takes a while for cra's to be updated.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Nothing wrong

Should have been there all along

Just wasnt for some reason

Nothing you can do sadly

 

P 'haps the irl will wipe it??

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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ah right, fair enough doesnt matter to much i've got other defaults from 2016 so will be a while till my credit file is cleared up anyway

 

Who are SLL Capital then i thought they were just a powerless debt collecter. i didnt realise powerless debt collectors could register defaults?

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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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Share on other sites

they will default the debt before sale. as post 3

 

don't forget the debt buyer inherits the account and all its good/bad points under the NOA

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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Share on other sites

they would have defaulted the debt before sale..

the date of the default will be very, if not, exactly the same as the date of sale.

 

a debt buyer/dca are not a creditor so cannot issue a default notice,.

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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Share on other sites

because they can

it should have already of been showing

you are just in a situation whereby for whatever reason it didn't.

 

theres no legal compulsion eitherway for it to or must be showing, just whenever updates are sent to the credit refs companies

 

the default is a true reflection of how you operated your account.

the original creditor defaulted you..hence the like dates.

 

dx

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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nope they didn't register the default

and the lack of no paperwork is immaterial

you signed the agreement.

 

think we've travelled this road in your other threads

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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Share on other sites

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