Shop Direct Finance / MKRR / MKDP LLP

Dave_Sk

Thank you! You've been a huge help. It's really appreciated. I'll let you know if I hear anything else from them.

Johnpj

It was Littlewoods that I had the account with. They were fine, no issues with them at all, it was the n-th collection agency that bought the debt many times down the line I had the problem with. Similar story, but for different reasons, many years down the line. They collection agency claimed I was defaulting with them, and not Littlewoods, who then stuck a new default on my credit file. If they did this to you, how damaging would it be, only you know the state of your credit file.

THe above advice is good, but I would ask you to think about one thing, can you afford to pay it?

If so try and "fight" it, but be prepared to pay it, probably a smaller amount, but make sure you get it in writing that the matter will not appear on any credit reference files.

Whilst I have no issue with the advice being given here, the real world is different from what should happen, as many of us are aware.

I speak from very personal experience of this situation.

fermi

If it's statute barred, then there won't be any need to pay it.

If an incorrect default is there then it's best to know and get it sorted out. Same with a CCJ.

Dave Sk: Don't let the atypical experience of one person colour your decisions.

Dave_Sk

Yeah, we can afford to pay it if we have to. I'd prefer not to out of principle if I'm honest though. Assuming we do owe it, I wouldn't have had any problems paying it years ago to the original creditor. But these companies like MKRR who buy debts super cheap and then use scare tactics to try to squeeze money out of people really p**s me off

Our credit rating is pretty good as far as I am aware. Couple of missed payments on credit cards by me over the last year or 2 when I've overlooked the bill by a day or 2, but always catch up next month. Not sure how much damage they do??

Dave_Sk

[STRIKE]Fermi, could you point me in the direction of the prove it letter? I can't find it now![/STRIKE]

For others reference, "prove it" letter:

http://forums.moneysavingexpert.com/showpost.php?p=11570893&postcount=2

fermi

Dave_Sk wrote: »

Yeah, we can afford to pay it if we have to. I'd prefer not to out of principle if I'm honest though. Assuming we do owe it, I wouldn't have had any problems paying it years ago to the original creditor. But these companies like MKRR who buy debts super cheap and then use scare tactics to try to squeeze money out of people really p**s me off

Agreed.

Basically, if it's hers, then it's statute barred and they can "naff off".

If it's not hers then they can "naff off" anyway.

If they've registered a default in her name that might now get linked onto your report, then it best to know that so you can get it sorted. Any correct default on a genuine debt should have long gone.

Johnpj

Sorry I really am quite annoyed by that answer. I respect you are well respected on here, and have a wealth of experience, but you seem to be dismissing me. My point is VERY VERY valid.

If the OP owed the money, and of course if is the right word, then they have a moral obligation to pay it. OK no argument.

The EXACT same situation happened to me, the debt was not even mine, statute barred as well. So you would say no issue, it wont affect you. Well google it and you will see you are wrong.

They can and do put NEW SECOND defaults and GAIN markers on your credit files. FACT - please dont argue I had it done to me, and there are cases all over the internet.

It is wrong - I agree with you - FACT

However who loses out, the OP who might end up with negative information on their credit file. Only they know if this will affect them. If their credit history is good it could be devastating. If its bad then it makes little difference in the short term. FACT

I fail to see how you can argue against me, other than to say I have a very good point, and seeing as I have PERSONALLY gone through it with EXACTLY the same chain of companies and DCA then surely I am well placed to offer very practical advice?

I am NOT being rude, or nasty just standing my ground, and from personal experience, along with many many others on the internet have suffered from this chain. I respect you, please have the same courtesy in return. Unless of course you disbelieve me and think I am making all this up, in which case I will prove it to you.

fermi

Johnpj wrote: »

They can and do put NEW SECOND defaults and GAIN markers on your credit files.

If they do, then they are going to do it anyway.

As said, best to get things sorted one way or the other.

I understand your concerns, but I think you are over-dramatising.

Johnpj

Please google
leeds debt collection solicitors putting second defaults on credit reference files

You will see a small sample of the problems. If you google even more by putting company names in etc, you will be horrified.

Most of this is already well covered in the consumer action group web site.

Please do not say I am a lone person who was the only one with this problem

I think that is enough said.

Dave_Sk

Johnpj wrote: »

They can and do put NEW SECOND defaults and GAIN markers on your credit files. FACT

Genuine question here - I don't want, or have the knowledge or experience to argue about these things - but if they do this, surely they can be taken to small claims to have it removed and hopefully get some compensation?