Default No CCA

spikescot2005

Hi,

Just a quick question on behalf of a friend.

Can a company add a default to your credit report while in dispute?

If not can they still add it without having an, and agreeing that they don't have a CCA?

Tixy

Yes. Even without a CCA creditors are allowed to continue to report to the credit reference agencies and to register a default (decided by court cases).

They shouldn't issues a default whilst a debt is reasonably in dispute (as long as the dispute isn't that there is no CCA).

fermi

http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/unenforceable-credit-agreements

If this information is not provided within 12 working days the debt becomes unenforceable. This means a creditor:

• cannot:
  - make the debtor pay the debt before they're supposed to
  - get a court judgment against the debtor
  - take back anything hired or bought on credit, or take anything used as security in the agreement.
• can:
  - ask debtors to pay what they owe
  - send a default notice
  - pass information on to a credit reference agency
  - pass information on to a debt collector
  - sell the debt to someone else
  - take the case to court.

fermi

What is the dispute?