Credit files

englandbaby

Hi
Can you tell me the outcome if I have written to 3 companies(debt collectors) and asked for my original credit agreement and they have not been able to provide it. They have all written back to say that they will not be pursueing me any further for the debt but Im wondering if I can make them wipe the defaults off my credit file?
can you advise please and tell me if there are any templates that i should use?
thanks
C x

podperson

It's highly unlikely. The default would have been added since you didn't make the agreed upon payment to them. Even though a debt might not have a valid cca this only means that the creditor can't take you to court, not that they can't chase payment or add defaults.
To be honest I would expect the dcas have sent the debts back to the original company or sold it on so you will probably get a new set of dcas chasing for it in a few months.

englandbaby

all of them wrote back and said that they had approached the original companies and they were not able to provide the original agreement.
Surely if they dont have the original agreement and they are not chasing me for money, then they do not have the right to put anything on m y credit file?

sofababe

Just because the debt is unenforceable doesn't mean it doesn't exist anymore. You still owe the money, all the enforceability means is that they can't take you to court to recover the money. The DCAs will continue to ask you for the money as you do still owe it. The only time they will stop chasing is after 6 years when it becomes Statute Barred, and even then you will have to write to tell them to stop. If there are defaults on your file from these debts they will stay on your file for 6 years.