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CCA, credit reports, DCAs
debrag
Posts: 3,426 Forumite
On Equifax I have two Defaults from April 2006 one for £579.00 the other for £2,125.00. Not totally sure who these are, will have to go back and check other reports/dmp etc.
I have two DCA's one is with Aktiv Kapital (UK) Ltd (taken over First National)the other has just been past over from Lowell Financial Ltd which took on my Halifax cetelem debt.
Neither of my DCA's are my defaults as Aktiv is recent.
Sould I CCA both DCAs?
Also the following makes no sense
Lender name:Lloyds TSB
Account holder name:...
Address:...
Date of birth:...
Accountholder status:Normal
Start date:8th January 2005
Account type:Unsecured loan
Account status: delinquent
Last updated:31st July 2008
Current balance:£5,299
Opening balance:£6,725
Account start date:8th January 2005
Regular payment amount:£98
Expected payment amount:£98
Number of repayments:84
Repayment frequency:Monthly
Lump payment:£0
Delinquent date:30th December 1899
Delinquent balance:£5,433
The bold parts I'm taking about. They have update my payment history till Sept 08 and I pay them £114.78.
Also on my callcredit report, creditors have dropped off even though they are on Equifax. I've never had anything on Experian.
What is the best report site to be using?
I have two DCA's one is with Aktiv Kapital (UK) Ltd (taken over First National)the other has just been past over from Lowell Financial Ltd which took on my Halifax cetelem debt.
Neither of my DCA's are my defaults as Aktiv is recent.
Sould I CCA both DCAs?
Also the following makes no sense
Lender name:Lloyds TSB
Account holder name:...
Address:...
Date of birth:...
Accountholder status:Normal
Start date:8th January 2005
Account type:Unsecured loan
Account status: delinquent
Last updated:31st July 2008
Current balance:£5,299
Opening balance:£6,725
Account start date:8th January 2005
Regular payment amount:£98
Expected payment amount:£98
Number of repayments:84
Repayment frequency:Monthly
Lump payment:£0
Delinquent date:30th December 1899
Delinquent balance:£5,433
The bold parts I'm taking about. They have update my payment history till Sept 08 and I pay them £114.78.
Also on my callcredit report, creditors have dropped off even though they are on Equifax. I've never had anything on Experian.
What is the best report site to be using?
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