I was reading an old thread from 2018 reagarding Mr lender payday loan selling on debt to SLL Capital
in the thread it gave reference to the fact it was impossible for the buyer of the debt to mark a default on a credit file and it must have been the loan company who placed the default on around the same time the debt was sold.
I have a similar issue but it contradicts what was stated in the 2018 thread.
Mr lender loan started 15/5/16
End date 17/8/16 b
There is a problem here, in that a warning letter from a creditor to say he is about to record a default on your file, is not the same as a DN under section 87 of the CCA 1974.
This is not picked up by the FCA, t least I cant find it, however. Probably no equivalent in German legislation.
A not ice of default is issued just to warn of an intended notification on the file, it is not about enforcement,(see Rankin,Mc Guffick) and gives 30 days.
A section 87 DN, a