Crs chasing old payday Express debt

[Kleek]

Hi

i took out a payday loan with day day express in 2012 which was not paid up.

Payments were made via debt management plans and personal agreements.

However a default was never raised against them, just showed as overdue on credit file. but they fell off my credit record.

 

I have now got a company called crs who keep trying to get this money off me.

I requested the credit agreement but obviously my signature is not on it.

 

Is this enforceable, can they raise a default (which is the last thing on earth I want, now that all defaults are clear)

Thanks in advance

[dx100uk]

I would suggest the AC was defaulted as that's why its fallen off your credit file.

so no it can't comeback

who are CRS's stated client?

when was your last payment?

 

dx

 

[Kleek]

Instant cash loans. I was making payments in 2018 because I kept checking my credit file as it wasn't showing default. I thought I have to pay this to make it go or it would be forever showing as overdue. (I keep saying they, because I had ones with payday Express and one payday UK, one was cleared, the other wasn't) it was then showing under closed accounts marked as satisfied. 

[dx100uk]

Which means they've sold it on

Have you moved since your last contact withICL?

 

What date is the crs letter?

What date is the AC shown as closed

[Kleek]

So both payday express/UK showing on noddle as paid and closed in March 2019. First contact from crs in December via email and text. The online portal does show my current address. I did request the credit agreement but it has no signature. 

 

 

 

[dx100uk]

Please dont post images to screen

use one multiple page pdf only page

read upload

 

can you answer my questions please

[Kleek]

I have answered above. First contact from crs in December 2019. Account(s) showing as paid and closed in march 2019. I have moved but updated my details when I was in agreement with them. Last payment made to account in Feb 2019. I wasn't able to redact the pdf. 

[dx100uk]

recent credit Accounts showing as closed on credit report typically means they have been sold to a debt buyer

 

crs dont buy debts but simply chase for their stated client.

 

Updated details to whom and by what method.

 

you redact in jpg 1st then to pdf and merge them

 

Who did you send the cca too ?

[Kleek]

Sent tge request to crs, they said it could take up to 30 days. They emailed it to me within a week. They do say in their correspondence that they are acting on behalf of instant cash loans(but I thought they had gone bust) 

 

Updated details with icl over the phone. 

[dx100uk]

then you ignore crs

if the owner is stated as whomever is administrator of ICL.

 

if/when you ever get letter of claim from a solicitor then comeback here

 

seems like crs are simply trying to line their pockets with free money.

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers on any debt.

 

dx

 

[Kleek]

Thankyou. You have very helpful. 

[dx100uk]

you obv had numerous PDL from various lenders

was your credit file shot at the time

full of defaults and late payments

 

might be worthy to issues a few of these claims to the lot of em!!

 

 

[Kleek]

Thanks I have already claimed against qq

(£44.00 received a week before they took the cowards way out)

£70 received from Wonga administrators,

£10 to come from wda.

 

Would love to nail tooth fairy, payday UK and a few others.

 

Will look into it today.

 

I had vast loans over many years, I lost track.

 

Credit record only just repaired, hence the worry of them slapping a default on what is a low amount. 

[fkofilee]

If you hear from AJJB Law - Please come back and let us know. 

I am interested where this will go.

[dx100uk]

they cant redefault and AC that was already defaulted and gone

 

dx