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TDX Group Limited problems with creditor
SPELLKASTER
Posts: 468 Forumite
I have been in contact with my creditor TDX Group Limited for some time now making repeated requests for a copy of a valid credit agreement.
They purchased the debt from Shop Direct on the 21st December 2012.
I have asked for evidence of this as well, again not replying.
I feel that by placing a default on my credit report without showing validity of the debt is a cause for concern.
What can I do with a creditor who just does not reply for request for information?
They purchased the debt from Shop Direct on the 21st December 2012.
I have asked for evidence of this as well, again not replying.
I feel that by placing a default on my credit report without showing validity of the debt is a cause for concern.
What can I do with a creditor who just does not reply for request for information?
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Comments
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SPELLKASTER wrote: »I have been in contact with my creditor TDX Group Limited for some time now making repeated requests for a copy of a valid credit agreement.
They purchased the debt from Shop Direct on the 21st December 2012.
I have asked for evidence of this as well, again not replying.
I feel that by placing a default on my credit report without showing validity of the debt is a cause for concern.
What can I do with a creditor who just does not reply for request for information?
Well the account is unenforceable until they do comply.
Lots of info here on what to do next :
http://legalbeagles.info/forums/showthread.php?7923-Dealing-with-DCA-s
The article covers dealing with DCA's, and what to do when they ignore your CCA request.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
sourcrates wrote: »Well the account is unenforceable until they do comply.
Lots of info here on what to do next :
http://legalbeagles.info/forums/showthread.php?7923-Dealing-with-DCA-s
The article covers dealing with DCA's, and what to do when they ignore your CCA request.
Many thanks for that.
I might have to seek legal action because they are putting defaults on my credit file whilst showing no proof of debt.0 -
TDX Group Limited are not a DCA by the way.0
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Calls to Trading Standards are a whopping £1.50 a minute!!!!! Can't afford that!!0
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SPELLKASTER wrote: »TDX Group Limited are not a DCA by the way.
Do they own your debt ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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