Debt, Mental Illness, PPI's and DMP help needed please

[dx100uk]

send everyone your are blindly paying a new CCA request

then scan it up SO WE CAN CHECK IT!!

 

ive merged your old thread for you too.

not sure where anyone said to ever speak to a no power DCA on the phone

they ARE NOT BAILIFFS!!

 

and have zero legal powers!!

 

a DCA cannot default your credit file

it would have been the original creditor that did that before they sold it on.

 

if the OC did not default you after your 3rd missed/short payment

then id be complaining to THEM.

 

the defaults should have been registered in 2011 on most of your debts [unless this one is newer credit since then] so should no longer even be showing on your file

[dx100uk]

same what?

[dx100uk]

Why didn't you defend the claim?

[dx100uk]

CC companies very rarely do court

who took you to court?

who was the claimant?

 

so you did a N245 and got the forthwith judgement varied.

 

so who was the claimant?

when?

and who do you pay now?

[dx100uk]

Lloyds via SCM [their in house legal team SCM] we one of the very few original creditors that litigated at that time.

 

 

so they agreed, was this via a tomlin/consent order, if so no CCJ should have gotten registered if you kept up payments.

if you didn't you would have been sent a further court letter?

remember anything.

 

 

if the DCA is now Moorcroft

who do Moorcroft list as their clients, as Moorcroft only chase they don't BUY debts?

[dx100uk]

that's not a credit agreement and neither is an application form.

 

 

[dx100uk]

you most certainly don't and do.

[dx100uk]

the trouble with SC clearance is people rush to reveal details that they are not required to do

if it doesn't show on your credit file..you don't tell them.and this debt was defaulted years ago and has fallen off under the 6yrs rule and can never comeback.

 

 

[dx100uk]

have you proof if/when the OC defaulted this at poss an earlier date..i suspect it must have been?

if not check it via an sar. and get the proof and demand the dca remove it.??

[dx100uk]

if you find written proof the OC defaulted the account at an earlier date..

 

you send the DCA that proof giving them 14 days to correct their error else you'll raise a serious complaint with the ICO and also seek financial compensation for the damage to your credit reputation caused by their error.

no further communication will be entered into regarding the matter nor any further warning given.