Sutton's default removal letters

Innocent_Guy

never-in-doubt wrote: »

fool. read last post agin please mate - ive been editing it and need some questions answered lol

DCA owns it! No default registered however he has only been checking his files recently.

Think thats it?

never-in-doubt

Innocent_Guy wrote: »

DCA owns it! No default registered however he has only been checking his files recently.

Think thats it?

Right then to be honest if a dca owns it that is bad enough, why worry about late payment markers when the account name will be robinson way or whatever? every lender that searches will know its a sold debt so in essence he'd have been better never paying, however he has so we move forward.

His file is trashed mate - simple really and for the length of time the account is valid, i.e. until its paid off then it will be 6yrs from that date so like 8yrs time or whatever!

My advice, nip it in the bid now and take the 6yrs hit from today! But then again its up to him, he already made a few major errors.....

Innocent_Guy

never-in-doubt wrote: »

Right then to be honest if a dca owns it that is bad enough, why worry about late payment markers when the account name will be robinson way or whatever? every lender that searches will know its a sold debt so in essence he'd have been better never paying, however he has so we move forward.

His file is trashed mate - simple really and for the length of time the account is valid, i.e. until its paid off then it will be 6yrs from that date so like 8yrs time or whatever!

My advice, nip it in the bid now and take the 6yrs hit from today! But then again its up to him, he already made a few major errors.....

But what I'm trying to get at is that if there is no CCA, there is no authority to share data so surley they will have to remove the complete entry?????

never-in-doubt

Innocent_Guy wrote: »

But what I'm trying to get at is that if there is no CCA, there is no authority to share data so surley they will have to remove the complete entry?????

NO! Only if the account is put into dispute as I mentioned but that means cease payments. Therefore you need to send the letter as instructed on last page that I done for you (here #137) and see what they say - this is officially putting the account into dispute at the same time you officially instruct them to remove any data due to the dispute.

You're hoping they raise issue to the cessation of payment at which point you'll then say remove all data and i'll pay again or leave the data and you get nothing.... i'll do the legal route and win either way. see what they say - i'd like to think they will agree and remove data in swap for future payments!

They do not have to remove the entry just cos they have no cca - they cannot enforce the debt; the entry 'can' remain - I say the word can very loosely mate.....

Parki_2

NID can you offer me anymore advice on my cahoot? They have replied to today and it seems they have gone back on their word.

Parki_2

Dear Mr. XXXXXX

Thank you for contacting cahoot in Coventry.

I can confirm that a letter confirming closure of the account was sent on the 16/4/09. As you have not recieved this letter, I have requested for it to be resent to you.

I have also contacted the relevant department with regards to your credit file. I have requested for them to confirm if there is any adverse data showing on your credit file in relation to cahoot.

Once I have a response from this department, I will then update you with the relevant information.

I would like to apologise for any inconvenience this has caused. If you require any further assistance please do not hesitate to contact us again.

Kind Regards,
XXXXXX

Parki_2

Previous to this they had sent me this....


Dear xXXXXXX

Thank you for contacting cahoot in Coventry.

Our Collections and Recoveries Team have confirmed that the Debt Management Plan will be removed and updated from your records by the first week of May. This is because an update is sent to Experian who then amend your records accordingly.

Should you wish to discuss this in any more detail, please call the Collections and Recoveries Team on 0845 607 0004. Their opening times are 09.00am to 05.00pm Monday to Friday.

Kind Regards
XXXXX

never-in-doubt

whats wrong with that letter? that suggests when they find out what data is showing they will be in touch....... what data is showing mate?

Parki_2

They dont need to check and get in touch I forwarded all my correspondence. This was meant to be taken off (dmp note) by the first week in May. Seems they have gone back on their word.

never-in-doubt

Parki wrote: »

Previous to this they had sent me this....


Dear xXXXXXX

Thank you for contacting cahoot in Coventry.

Our Collections and Recoveries Team have confirmed that the Debt Management Plan will be removed and updated from your records by the first week of May. This is because an update is sent to Experian who then amend your records accordingly.

Should you wish to discuss this in any more detail, please call the Collections and Recoveries Team on 0845 607 0004. Their opening times are 09.00am to 05.00pm Monday to Friday.

Kind Regards
XXXXX

Mate this can be read several ways and I read it to mean the following....

They are confirming that the DMP will be removed - not that the whole account will be removed

ooooooer - sorry but me thinks they agreed to remove the DMP - not the whole account.