Default from DCA for written off payday loan

LaidbackPixie

Hi Everyone,

I'm new here and currently undergoing a 'Money Makeover' as well as trying to rebuild my credit after getting a CCJ and a default in March 2013. My ultimate aim is to get a mortgage in about 2-3 years.

So I have one CCJ for £593 from the DWP for crisis loans I got whilst in part-time employment, the debt has been paid by Direct Earnings Attachment and is now cleared, though it has not been updated in my report to show as satisfied.

The default is more of an issue, I got a payday loan which snowballed into another until finally I could not afford to payback the amounts. The first loan was from Wonga (£430 at point of default) and the second from QuickQuid (£220 still owed at point of default) . I received an email in August from Wonga and Red Castle DCA to say my debt had been cleared due to new FCA rules about affordability and all records would be removed from my credit report.

I have checked all 3 credit reports, there is no information from QuickQuid or Red Castle on any of them and Wonga shows as £0 owed, but there is a default registered by a 'PRA UK', there is not much information about it, just say's there is £70 owed for a payday loan, it was defaulted in March 2013, and last updated in mid 2014. Does anyone know if QuickQuid are using this DCA?

It's an odd amount since neither debt was for £70 and it is a different DCA than Wonga mentioned meaning it might be for QuickQuid.

If it was for the Wonga loan which has been written off can I get this removed and if it is for QuickQuid I wonder why only £70 and how should I go about settling it and could I get it removed?

I have no other debt other than my overdraft which I am living in at the moment but taking steps to get back in the black, so the £70 default can't be for anything other than the 2 payday loans.


Any advice appreciated and happy to be joining the forums.

LaidbackPixie

Please any advice on how to deal with this default from PRA Group UK? :undecided

[Deleted User]

You need to find out from them what it relates to first.

LaidbackPixie

Thanks for your reply, when I contact them what should I ask them for to prove the debt is correct,/genuine, I don't have a £70 debt for a payday loan, one cleared and one for £220, and it does not say who it is from originally.

Also I read somewhere the clock resets to 6 years the first time you contact Debt Collectors. I have been in contact with Wonga and QuickQuid about the debts before but not debt collectors, so worried about impacting my credit score for longer by calling them directly now, and if it was possible to go via QuickQuid/Wonga?

fruitisbad

It resets to 6 years if you admit liability for the debt not for just getting in contact with them.

LaidbackPixie

Thank you, so best bet is just to get directly in touch with debt collector then.

National_Debtline

Hi

When people talk about a 6 year clock they’re usually referring to when a debt becomes statute barred and unenforceable in court. It’s 6 years with no payment, written acknowledgement or CCJ. Speaking on the telephone wouldn’t acknowledge the debt for this purpose.

In any case, debt collectors shouldn’t add a default to your credit file years after you started missing the contractual payments.

Once you find out what the debt is for you can base a letter on the following template if you don’t think you owe it and want to ask for proof.

www.nationaldebtline.org/EW/sampleletters/sole-letters/Pages/Complaining-to-debt-collection-agencies-that-you-do-not-owe-the-debt-(sole-name).aspx#

James
@natdebtline