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Hello,

 

I have three defaults on my credit report. Do they ever expire? I keep paying £1.00 to my creditors every month but since my credit score is bad and defaults are shown to lenders I have no hope to get work or start a business.

 

Is there any hope to get those defaults moved from my credit report? All the debts are more than six years old.

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What are the debts for. WHy are you paying them? Have you ever issued a CCA request for them?

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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

:D

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They are missed payments.

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My debts are credit cards debts.

I have a debt management company (a charity) who simply helped me to set a payment plan and the creditors to accept £1.00 payments/month since I could not pay the minimum the credit card companies required.

 

I have written to my creditors many times to understand whom I should pay since there are now more than one creditor asking me to pay the same debt.

I did not get many answers and the answers I got did not help me to understand my situation.

I have also sent them a SAR and I got no answers either.

Edited by dx100uk
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list the debts here...with the original creditors names and the names now showing on your Credit Files reporting the defaults.

 

The debts sound like they have been assigned (Sold) to DCAs

 

Andy


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calendar markers are not seen by anyone bar you and the owner/original lender.

what is written in the summary line ?


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American Express

BarclayCard

Lloyds Bank (credit card)

 

These are the defaults which show on my credit file. Yes, I believe that my debts have been sold many times and now it is difficult to know whom to pay. But my biggest concern is the credit file. I really would like to ask the defaults to be removed since the debts are more than six years old.

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so there is no defaulted date in each debts summary?


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I checked Noddle and I found two defaults. Amex and Barclaycard.

Then the year: 2013.

And the following message: payment was up to six months late.

 

I checked TotallyMoney and I found two defaults: Amex and Barclaycard. Amex has the following message: 1st March 2013. Barclaycard: 2nd April 2013.

 

Amex has been contacted by the debt management charity and asked to set a up payment plan.

One pound has been offered.

They have never accepted anything and they have not even bothered to answer any letters.

 

I have kept paying to any debt collector who claims to be acting on behalf of Amex.

Now there are more than one and the situation is difficult to know who is who and who is actually acting on behalf of Amex.

It could be that none of them is acting on behalf of Amex and I have just paid to the wrong companies.

 

Lloyds Bank and their credit card was not found any more on my credit file.

I checked Noddle, TotallyMoney and Clearscore.

Edited by dx100uk
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ok that makes sense

so you've 2 more defaults that will reach 6yrs, that will cause the whole account to vanish from your file , as has the LLoyds card already.

doesn't mean the debt is still not owed mind you.

 

pay amex DIRECTLY cut out any powerless DCA's they are NOT BAILIFFS and have ZERO legal powers on ANY DEBT.

 

who's the debt charity and when did you take these cards out?

it might be better to now drop the DMP and handle this yourself as all you are doing is running the statute barred dates to infinity.


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I got Barclaycard on November 2005 and I got Amex card on April 2006.

 

I have tried to pay my one pound to everyone who has claimed to be acting on behalf of the original debt owner or who has told me that my debt has been sold to them.

I have sent anyone who has contacted me a letter asking them to validate the debt and provide me a proof that they are who they say they are.

I have been unsuccessful.

 

The debt collectors have not provided any evidence that they are who they say they are.

I have complained to them but I have got a standard letter back from them stating that they have not done anything wrong.

 

I am so glad to hear that my credit report will be different very soon.

The defaults will not show up any more.

I am very glad that Lloyds credit card debt is not showing up in my credit file anymore.

I have not stopped paying my one pound to the debt collector.

 

If no defaults are showing up in my credit file, what does it mean to me?

Will I get a better credit card?

Balance transfer offers?

 

Is there a reason to feel a little bit better and hopeful?

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your last few lines says it all.

 

pers stop paying anyone UNLESS you KNOW the debt is still owned by the ORIGINAL CREDITOR.

ie like AMEX as you'll see the DCA letters say OUR CLIENT AMEX.when you know an OC still owns it

better to keep paying

but do it YOURSELF not thru any DMP Provider

 

as for those you stop paying

when you get the deforestation thru your letterbox

comeback here and show us the letter

we'll sort this out debt by debt.


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If I understood you (dx100uk) I should stop paying anyone else except the original debt owners.

Since I know (and thank you all of you who have responded to my question) that my credit report will not show any defaults from April 2019 onward I should only concentrate on those original debtors.

 

When the debts have been sold by the original debt owner to debt collection companies, what is the worst that can happen to me if/when I stop paying them?

 

I am not sure I understand the word deforestation.

 

Should I apply for balance transfer credit cards?

 

Should I concentrate on improving my credit score?

Edited by dx100uk
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there is nothing you can do to improve your score

urban myth sadly.

 

 

if the OC still owns a debt then pay THEM directly

NOT via a DCA.

 

if a debt has been SOLD. then pers i'd stop paying

await the defeorestation [100's of letters made from trees..sent by the dca that now owns the debt]

 

WHEN that happens pop back hear and we will deal with each debt SOLD to DCA's as that happens.

 

its better to force their arm rather than blindly paying a DCA and running the SB date to infinity for no real reason other than being cash cowed.

 

as for taking out 0% cards to pay old debt off NO!!

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ive moved your thread to the debt self help forum

LOTS to read here

then you'll get the idea

 

- - - Updated - - -

 

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?173-Debt-management-and-Debt-self-help

 

click above

scroll down

read a few threads that take your eye


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I just don't get the advice some of these 'charities' are giving. A friend of mine has been put on a DMP through one of these. The guy doesn't own a house and some of them would have been Statute Barred a long time ago, if he'd been advised to do the right thing and sent of CCA requests and stopped paying.

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Most are not aware of the legislation or how the DCA industry actually works.


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

 

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or even care as long as they get their commission from who ever for signing the mug up to blindly paying


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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When the debts have been sold by the original debt owner to debt collection companies, what is the worst that can happen to me if/when I stop paying them?

 

At the moment you are making 'token offers' of £1 per month which your creditors have agreed to accept, and stop legal action against you for the time being. If you stop paying, your creditors might take action by applying for a county court judgment against you (CCJ) or commencing enforcement against you where a CCJ already exists. They may also do nothing, particularly if they cannot prove you owe the debt when challenged.

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