Hi Everyone,
In 2012 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 still owed 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, so the £70 default can't be for anything other than the 2 payday loans.
If 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?
Any help appreciated and happy to be joining the forums.
