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DMP mutual support thread part 13 !!
Comments
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I have folded over the personal information at the top. My credit file isn’t showing a default yet - is this debt defaulted? Don’t want to delay the default by accident. Thanks
DFW info LBM: March 26
Total 03/26 69,481
"You put one foot in front of the other and one day you look back and see that you have climbed a mountain" Ready for the climb.💪
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No way of knowing from that letter, just wait until the default is registered on your credit file before you do anything.
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-letter1 -
I've got two smaller debts one with Argos one with Very. They're both with debt collection agencies and they are paid through a DMP with SC. However, I'm still receiving monthly statements from the original companies and they're not shown as defaulted on my credit report. They're also coming up twice once under the original companies and once under debt collection agencies. Is this right or has something gone wrong?
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Sounds like both accounts have been sold to me.
Its quite normal for the original entry to be shown alongside the entry from the new owner.
The original entry balance should show the date of default and a zero balance, the new entry should show the same date of default and the outstanding balance.
If they are not showing as in default, how are they marked?
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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