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Creation Did not add Default in 2014

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I'm on a DMP with StepChange since 2014 and of the 8 accounts 7 have added a default within the 6 months period, apart from Creation.


They have sold this to Lowells and I have written to them to ask for a backdated default to be added.

they have refused and said they will update the credit reference agencies with details of any payments made.


I'm worried that as all the others will drop off in early 2020 this will continue to be an ongoing nightmare.



I'm not sure what to next :/

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they cannot sell without defaulting typically

as this will cause lowells one hell of a job iff they try and take you to court.


I hope you've sent everyone a CCA request that you are blindly paying through PP? as they don't do any checks enforceable paperwork exists

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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