Need Some Help - Red debt collection

Novice99

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This section of your credit report contains details about court judgements, bankruptcies individual voluntary arrangements, trust deeds and sequestrations.

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Novice99

They have taken my Bank Account details (Card details) and withdrawn money from it and will do something similar in Feb, when the next payment is due...

Novice99

Yes, RED are collecting a different Debt, which was for Vodafone.

I have closed my account with 1st Credit for Barclaycard and would like to as well with RED.

My concern is would this evoke my other debts as well. Your help will assist me with future instances with other Debt Collectors.

RAS

Novice99 wrote: »

They have taken my Bank Account details (Card details) and withdrawn money from it and will do something similar in Feb, when the next payment is due...

Several things

1. Do not open bank accounts with companies to whom you owe money.

2. NEVER give a DCA your card or account details. Cancel the car immediately.

What you need to tell us is if there are any defaults on your credit record (and use equifax, experian and call credit not credit expert to get the proper information).

So who is they aND TO WHICH DEBT ARE YOU REFERRING?

Assuming your were in England or Wales 6 years ago, if you have paid nothing for 6 years and they have not taken court action the debt is SB.

This means that if they ask you to pay and you cough up, that is fine and you cannot get the money back. If they ask you and your WRITE and tell them you are not paying, they must stop chasing you for the debt.

Sometime (like when you have started to pay even though the case is SB) they will try it on. You need to understand that in those cases youi have to defend yourself but the only defence you need is that the debt is SB.

Novice99

1. Yes, I have not opened a Bank account with any Bank to whom I owe money (I did with Barclaycard but I returned (paid) the money back, which I owed them and closed the account).

2. I was not aware and thought I could never escape them and hence gave them my Card Details to withdraw the amount.

3. I've used Experian (aka Credit expert) to check my credit record but it doesn't include my previous addresses as started the account with my New address.

4. I've even checked my record with Trustonline and there are no convictions or CCJ's.

5. 'They' was refered to RED Debt Collection.

6. I think i will clear my account with RED coz I made the first payment but will be wise with other collectors.

7. Thank you for your comments and suggestions. I really appreciate it.

RAS

Do any of the defaults show on any of the credit reference agencies? You need all three.