We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Differing debt amounts by Original lender and DCA SAR request??
Becks81
Posts: 426 Forumite
I have just checked my credit report and was quite shocked to see that a debt I have been paying to the DCA is about £2000 different to the original Lender.
I had a loan with Cahoot back in 2006 which I defaulted on in 2008 and it was passed onto Apex credit solutions. I have been making regular payments to Apex through a standing order since then and have got the debt down by around £3000.
According to my credit file, Santander have the amount owed at just over £6000 when it really is just over £4000.
I have letters from Apex clearly stating my balance but am a little confused.
I thought about sending Apex a SAR to confirm the figure owed from the time they bought it, but have just read that it is a waste of time sending to the DCA's and it should just go to the original lender.
I am not trying to pull a fast one, and really have paid off the amount Apex say I have.
Please can anyone offer any advice about what to do? Especially concerning the SAR
I had a loan with Cahoot back in 2006 which I defaulted on in 2008 and it was passed onto Apex credit solutions. I have been making regular payments to Apex through a standing order since then and have got the debt down by around £3000.
According to my credit file, Santander have the amount owed at just over £6000 when it really is just over £4000.
I have letters from Apex clearly stating my balance but am a little confused.
I thought about sending Apex a SAR to confirm the figure owed from the time they bought it, but have just read that it is a waste of time sending to the DCA's and it should just go to the original lender.
I am not trying to pull a fast one, and really have paid off the amount Apex say I have.
Please can anyone offer any advice about what to do? Especially concerning the SAR
0
Comments
-
Can anyone help?0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.6K Banking & Borrowing
- 254.2K Reduce Debt & Boost Income
- 455.1K Spending & Discounts
- 246.7K Work, Benefits & Business
- 603K Mortgages, Homes & Bills
- 178.1K Life & Family
- 260.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards