Dca:can they do that?

dinky201

ok your problem ain't with Original Collector, they sold all the rights. haha

How much the alledge debt for and what DCA sent you letter?

ninjaready1

dinky201 wrote: »

ok your problem ain't with Original Collector, they sold all the rights. haha

How much the alledge debt for and what DCA sent you letter?

portfolio recovery are the dca.
the defaults on my files have been left by the original lender so they are the ones who can remove it.

obviously my number one priority is to ensure that the default dates are correct on my credit file as ive said, it defaulted mid 2011 and is showing correctly on one credit agency but on another its showing as they both defaulted nov 2012!

dinky201

how much is it for?

ninjaready1

dinky201 wrote: »

how much is it for?

325 for one and 258 for the other

original amounts borrowed from what they have told me were £80 and £100

dinky201

ok send a separate prove it letter to DCA, for each one asking for "deeds of assignment" (to see if they are really the legal owners), "true credit agreement" and who is assigned and responsible for collection of the alledge debt. don't sent £1 to them.

And as happy bunny said you can complain to FOB and Office of Fair trading about the payday company if you feel they haven't played by the "OFT debt collection Guidence".

http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/debt-collection#.UkQsOIbZhHl

dinky201

also record deliver your letters, keep receipts and copy of letter sent

John1993_2

ninjaready1 wrote: »

Unfortunately yes and I had forgotten all about it until I checked my credit file.

The other thing I've noted they have done is on one credit reference agency they have put a particular default date and amount with it showing as closed and satisfied .... But still defaulted obviously

And yet on another credit ref agencies report the default is showing as still not satisfied, the default is for twice the amount showing on the other report AND a totally different default date of almost 18 months later than the one on the other cfa

If you borrowed money, then did not pay it back precisely as and when agreed, then I'm afraid that that is a default, and it's right that it is entered into your credit file, as a true record of what happened.

You ought to request that the details be corrected if they are wrong, but I don't think that you have any grounds for being upset that they reported the default.

What is the nature of your dispute? Did you pay back what you believed you owed, at the very least (including the interest that you'd agreed to)?

ninjaready1

Well that's the thing I've no idea if or what I owe them
I sent them a cca request by recorded delivery 3 months ago and all they responsed with were the default notices by email.

happy_bunny_2

Give the FOS a a call, will advise if they think you have a valid complaint.

John1993_2

ninjaready1 wrote: »

Well that's the thing I've no idea if or what I owe them
I sent them a cca request by recorded delivery 3 months ago and all they responsed with were the default notices by email.

That may be so, but you'll have known what the original interest rate charge was. Did you at least pay that back eventually?