Confused...please help?!

Snuffleumpacus

just about sums me up. Am new on this site and looking for information which may aid me in my current situation but cant seem to make head nor tail of anything :rolleyes:

To cut a very long story short I fell way way behind with credit card payments and now owe £372 for a £200 credit limit to a DCA and a default is lodged on my credit file. Is there anyway I could pay the balance to the credit card company instead of the DCA and get the default removed from my file??

Hope you can make sense of what I just said and any help greatly appreciated

Snaggles

Hiya

The credit card company will have sold the debt to the DCA, so it's them that you now owe the money to. I have heard of instances where debts have been transferred back to the original creditor, but I don't think it's common (someone will hopefully correct me if I'm wrong though).

Even if it was transferred back, the default wouldn't be removed if you clear it - it will remain in place for 6 years - so I'm not sure it would be of any benefit to do this.

Hopefully someone else will be able to offer a bit more advice - I'm not sure whether there is any point in requesting the CCA agreement from them - you sound as though you agree that the debt is yours, but it might be an option to check that they have the correct paperwork to make the debt enforceable. It's not an area I know much about though, so again, hopefully someone else will fill in the blanks.

stapeley

hi , I would request a notice of Assignment from them . make sure they have the right to persue to debt. Do not speak to them on the phone . Keep all letters . GOOD LUCK

Snuffleumpacus

Thanks...

yes the debt is mine...was a case of burying head in the sand after missing a couple of payments, however I didnt not receive any notice from credit card company to say a default was to be served which I understand they must do before selling the debt over?? Am not really very up on the protocol to be honest..hence the plea for help

What ia a notice of assignment form and from whom would i request it??

Many thanks again