2 defaults 1 debt.

Rowson_92

annetheman said:

Sorry to hijack your thread but how did you find out you have a default on your credit file? Where can I check?

No problem. Go look on either of the 3 Credit reference agencies.
Experian, Equifax or Transunion. You can get a 30day free trial on.

Willing2Learn

Rowson_92 said:

Willing2Learn said:

If it were me, I would make my written complaint to both V12 and Debt Managers Limited.  Then you would be able to escalate to the ICO about either company, should they not provide you with a satisfactory resolution within a reasonable timescale.

I currently have an ongoing complaint with both V12 and debt managers, and their 8 week final response is up sometime next week I believe.

Would you advise I wait for the final response then forward onto the ICO and FSO? Or raise a fresh complaint? 

No, I would not be making a fresh complaint.  Since the eight weeks has lapsed, I would just be escalating the process to the ICO.

Rowson_92

Willing2Learn said:

Rowson_92 said:

Willing2Learn said:

If it were me, I would make my written complaint to both V12 and Debt Managers Limited.  Then you would be able to escalate to the ICO about either company, should they not provide you with a satisfactory resolution within a reasonable timescale.

I currently have an ongoing complaint with both V12 and debt managers, and their 8 week final response is up sometime next week I believe.

Would you advise I wait for the final response then forward onto the ICO and FSO? Or raise a fresh complaint? 

No, I would not be making a fresh complaint.  Since the eight weeks has lapsed, I would just be escalating the process to the ICO.

I have an update.

Debt managers (DCA) have confirmed someone else has accepted liability and cleared the balance. They have informed me they are going to remove their default entry on my file. 

I have informed V12 (original creditor) of this and asked whether they will so the same. They said they will need to hear from debt managers before they make a decision!?

What do you advise I do now, other than wait? 

Rowson_92

Can anyone give me some advice in regards to my latest update?

Rowson_92

Just a quick update after looking through various forums.

Ive noticed that the default entry from the original creditor doesnt state "CAIS assigned" from what I have read, it should say this?

Can anyone please advise.