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Shop Direct Finance / MKRR / MKDP LLP
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Yeah, we can afford to pay it if we have to. I'd prefer not to out of principle if I'm honest though. Assuming we do owe it, I wouldn't have had any problems paying it years ago to the original creditor. But these companies like MKRR who buy debts super cheap and then use scare tactics to try to squeeze money out of people really p**s me off
Our credit rating is pretty good as far as I am aware. Couple of missed payments on credit cards by me over the last year or 2 when I've overlooked the bill by a day or 2, but always catch up next month. Not sure how much damage they do??
You probably have a good credit history then. But a new recent default will cause you real grief. Please just take care, I do not care about what should happen, I know what happens in practice. It might be wrong, but you will suffer in the short term.
My advice is to have chat with your partner, agree if it is very likely to be their debt, then ask for the proof of debt. However be prepared very quickly to make an offer, if it really is the debt of your partner.
If you do not, as I have pointed out above, they could use pretty nasty tactices to screw up your parter, and by association possibly your credit file. Who wins and who loses?
It happened to me, it was not even my debt, and it was statute barred.0 -
Genuine question here - I don't want, or have the knowledge or experience to argue about these things - but if they do this, surely they can be taken to small claims to have it removed and hopefully get some compensation?
1) Despite the scaremongering going on here, it's quite unlikely.
2) You have recourse to the ICO and FOS (time consuming and a pain)
3) You have recourse to the courts. (not usually worth it)
Plus said, if they are going to do it then they will do it anyway. May not show up now, but could suddenly a later point and screw things up for you.
If it's there, or likely to be there, best to get it sorted sooner rather than later.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
OK thanks again. I'll send the letter and see what happens. If nothing else I'll know exactly if she owes anything and then take it from there.0
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Genuine question here - I don't want, or have the knowledge or experience to argue about these things - but if they do this, surely they can be taken to small claims to have it removed and hopefully get some compensation?
Possibly, but the process takes ages, and in the short term you will suffer. For example a credit card company could see it appear on your files and close a credit account or reduce your limits.
There is a process for removing them, but its is lengthy and cumbersome. I know I HAVE BEEN THERE, along with loads of others.
The ICO and FOS and all the others including the courts and the dwarves can get involved, it will resolve itself over TIME. However you will be the only one suffering in the short time.
I slightly short circuited it by complaining to the Law society who regulate solicitors. I also prepared injunction papers, which I was about to serve. This did the trick, but it took almost 3 months in total.
My point is, if you owe the money, then just be prepared to pay it, particuarly if your credit rating is good. They will know your rating is good, and will use that as a weapon against you.
Imagine how I felt when the debt was not even mine, let alone statute barred.
It is all well can good using tactics to avoid payment, that is human nature. However the companies are also using tactics to make it difficult in these circumstances. It is a game of who can shoot higher as the well known phrase goes. I am afraid it is a direct consequence of the current mood of too many people trying to find a way out of paying debts, the companies are fighting back. It might be wrong, grey or even illegal, but it does happen. The problem is far too many debtors are using "grey" tactics to try and avoid paying debts, so why b surprised when the companies do the same?0 -
1) Despite the scaremongering going on here, it's quite unlikely..
Another attempt to try and belittle my point. Do you really think this is constructive? Have you had personal experience of exactly this chain? Has it directly affected you? Have you spent days researching the google links? Would it be your credit card fthat is "suspended" due to new negative information appearing or the interest rate hiked?
Your rather dismissive style will not affect you will it? Your are not the one who might get a default? Easy to take the moral high ground when it will never affect you? But it might massively affect the poster?
So may I suggest you back down.
Am I making my point?
I will apologise totally if you come back and say you have personally experienced this exact situation.
I am astonished that someone with your experience on here does not know that some DCA will use ANY and I mean almost ANY tactic to scare and intimidate people, imoral, grey or illegal. They worry about the consequences afterwards. Hardly anybody complains because they are too embarassed about their debt situation, so they get away with it. You cannot have been on here since 2007 with all those posts and failed to pick this up.0 -
OK thanks again. I'll send the letter and see what happens. If nothing else I'll know exactly if she owes anything and then take it from there.
Exactly
I know Johnpj has had a bad experience, but his situation is not typical.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
I am not belittling your point.
I just think you are over playing it based on your own bad experience.
I have helped several other people with similar problems, and have had defaults of my own recorded much later than they should have been corrected. Resulting in them now being off the files.
And those problems ^^^^^ were certainly a tiny % of cases.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
I respectfully beg to differ about you belittling my point.
You are now admitting that it does go on, and to a certain percentage. We agree.
The fact is, if the poster was going to ignore it, they should be warned of the nasty tactics that might occur.
Further, although you say it has happened to you, not with this particular chain, so I do have real, practical and important experience to pass on.
If the poster was not aware of the increasingly nasty tactics being used, then imagine how they would feel if they suddenly had their "good" credit file ruined, and quite likley in this climate their existing credit card "suspended".
Do you not think in hindsight, that the poster would have wanted to know so that they could take an informed route based on practice and not general rules?
You must know that so many people are trying to avoid payment of debts, without getting into any moral issues, just fact, that so many DCA are now using increasingly nasty tactics to fight back.
Using the words like scaremonger, unlikely etc just distracts from the informed information this board is meant to bring to others.
Further, saying its a small percentage, without doing your research, as I have done, is a little jumping the gun do you not think?0 -
I respectfully beg to differ about you belittling my point.
If you want to deliberately misread it as that, then that is your problem.
I am not.
If the creditor or any other DCA has recorded a default then it's best to know about that now so it can be sorted.
Otherwise it will likely come and bite the OPs partner on the backside a few years down the line.
As said, it is unlikely. I didn't say it couldn't happen. You are just letting your bad experience colour your view of that.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
. You are just letting your bad experience colour your view of that.
Please stop telling me that, as if I was some unlucky rogue case. Have you done your research on a particular solicitor based DCA?
You have to keep pushing the fact that you are right. I do not care, I am simply passing on info, its up to the poster, and as I pointed out above, will it affect you?
NO0
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