Remove default (an account that is almost statute barred) - what to do next?

Tixy

It won't happen - 1 debt equals 1 default. If you want extra security keep a copy of your credit showing the default as it is now. In the extremely unlikely event a DCA did try to put another one on you could easily get it removed. (But I can only recall one case of a DCA trying this on a SB debt where a default had previously been registered and the dropped off).

Regardless option 1 or 2, do you recommend me write them to update my address?
Personally I would always give all my creditors my current address. Too many stories of people having CCJs issued against them because they didn't get court papers.

yhyh_2

Tixy wrote: »

Personally I would always give all my creditors my current address. Too many stories of people having CCJs issued against them because they didn't get court papers.

Thanks tixy,I saw one thread mentioned that updating my record with DCA is acknowledge my debt. Is there any template I can use to update the address without acknowledge the debt? Last time I wrote them a letter to ask them to remove the default on the ground of they can't provide the original default notice.
Obviously they refused to do so.Shall I use the same letter?

yhyh_2

Regarding option 1: When I negotiate the removal of the default, can I NOT acknowledge the debt to make sure the account will get statured barred next year?

mdr86

I would have thought that trying to negotiate the removal of a default on a debt would count as acknowledging the debt.

yhyh_2

I don’t understand why “I don’t acknowledge the debt , but willing to pay if you remove the default” would count as an acknowledge of the debt. But “I don’t acknowledge this debt, but this is my new address” can be considered as NOT acknowledge the debt.

The_Cappuccino_Kid

yhyh wrote: »

.... but willing to pay

is acknowledging the debt

yhyh wrote: »

.... but this is my new address

is not.

yhyh_2

The_Cappuccino_Kid wrote: »

is acknowledging the debt



is not.

Thanks The Cappuccino Kid!

GeorgeUK

First thing i'd do is call Equifax to query why you have 2 defaults listed against a single account. There should only be one default per account so this needs to get changed. They may say that only the original creditor can get this changed, but there definately shouldn't be 2 defaults.

If both defaults are from the same place, make an official complaint to thems stating that you will report them to the OFT and ICO if they do not remove the defaults. Also state that you have never received a default notice from them which is a breach of section 88 of the Consumer Credit Act 1974 which is why both defaults should be removed.

Hopefully they would remove both defaults and send a proper default notice to you, which you could then pay and get rid of any possibility of defaults for this account.