Help please - what goes on your credit files if on DMP?

Jolinar

I'm in a DMP and so far none of my creditors have defaulted me, I started the DMP nearly 18 months ago. My credit files shows a few missed payments and that is it. It's not a cut and dried situation it sounds like everyone will have a different experience. HTH.

squelch123

This is great info about this bunch of pure chancers -Aktiv Kapital/Debt Managers Ltd!

I too have been receiving hassling letters from Debt Managers Ltd in Scotland - they claim I owe over 2 grand to Aktiv Kapital F1 - World of Leather. I have no idea what this so called debt is - I have ignored the first letter (final demand) but the second letter (Court Action) I called the Debt Managers Ltd website number (an 0161 number) rather than the premium rate number which always puts you on hold no doubt charging ridiculous £'s per minute - and got put through to someone's voicemail - I didn't leave a message and did not tell them who I was either. Next day (today 17th April) I get a threatening phone call from some one called 'Moira' without stating company etc calling from, telling me I must call the 0870 premium rate number before 8 o'clock this evening (17th April). So it seems they are scrapping around looking for anything they can to make me buckle under the pressure and admit liability - WHICH I WON'T as it is not my debt!!! My advice: Never Ever admit anything to these chancers - these debts judging from previous posts are either not real as In my case or are far too old to be chased but they bank on the fact that people are going to panic and possibly admit liability and pay up. If you imagine your reaction when you got the first letter you may well have tried to call them immediately in panic and intrigue - bingo!! they get their premium rate £'s from your phone call to the 0870 number.
If they persist, tell them they must prove the debt is yours with original agreement info. They must legally supply this - and if they want to persue the debt they must first issue a 'Default Notice' on you. Then they must apply to the court for a 'claim form' to be issued on you (this giving details of the debt). You will receive a copy of the 'claim form' which MUST be stamped by the court. Do not ignore this letter, write back on the 'defence form' that this is not your debt and do not acknowledge it, then Wait for the court summons stating the hearing date for you to attend - which you must go to to enable you to tell the courts debt is not yours or too old. Although I doubt it will get this far as in my case they cannot prove that I owe this debt as it's not mine.
Also, take a look on the http://www.hmcourts-service.gov.uk website - this will give you all info you need ref bailiffs. If these debt agencies tell you they are going to send a bailiff round - challenge them - tell them "Bailiffs are people who work on behalf of the courts - you are a collection agency and therefore you only employ representatives whom you are claiming are bailiffs and these people have no powers at all and I do not have to speak to them or you".
Don't buckle under the pressure - that is what they are banking on!
I'll let you all know how I get on.....
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System

I could be wrong, but you will only default on accounts that you have been issued a default notice for. Me for example, 12 creditors, 2 defaults both from egg. To date, no other default notices have been issued only confirmation that I am on an agreed payment plan. The creditor must issue a default notice. Lenny