Showing results for tags 'default near expiry'.
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Hi Fredrickson are chasing for payment of a rather old Egg loan. My credit file shows more than one default for the same debt. In 2009 I disputed the debt on the basis of unenforceability. The refused to send the SAR and finally sent it about 2 years later. In the interim I was chased by the usual DCA's and sent them all the 'account in dispute' letter. About 18 months ago, Freds sent me their first letter asking for payment. I then sent them the account in dispute letter and prove assignment as I had with the others before them. They responded with a letter full of waffle and I ignored it. There was no proof of assignment and Egg did not pursue this line of argument, that Freds acted on their behalf. I hear nothing from Egg/Moorcroft/Arrow Global/Freds for ages and now with a few months before default drops off file, they send these letters. SAR does not show PPI, but from the figures, something does not add up. All details for first loan and credit card missing from SAR. Do I dispute the mulitple defaults for the one debt? Can a CCJ be applied to a file for same the debt once a Default expires? Do I send Freds another 'Account in dispute letter'? Do I contact Barclays as they now own all Egg debts? Less than 6 months before Default expires. Any advice would be appreciated.
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