Advice please!!! old littlewoods debt - scotcall sniffing

[Kimbobhoy]

I need some information please,

 

I have a default on my credit report from a dca called lowell portfolio who i called

and have since passed the debt on to another dca called scotcall although lowell portfolio is still on my credit file.

The original creditor was shop direct.

 

The default date on my credit file is 30/10/08 but when i phoned scotcall they told me the last payment was 30/07/05.

 

Should the default date not be at the most 6 months after the last payment date? If so that would be over 6 years since the default date and so it should be removed from my credit report?

[rebel11]

Hi kim

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Please let us know how your problem has been resolved, it could help fellow Caggers.

 

Thread has been moved to the correct forum.

[dx100uk]

1st never ever ring a fleecing dca!!

 

2nd yes a default thats passed its 6th birthday should not be showing

and neither should the account unless you are stil using it.

 

tell us more

 

and get reclaiming too!!

 

dx

[Kimbobhoy]

Thanks dx I`ll not call them again.

 

I had a catalouge with littlewoods that started early 2005.

I had insurance incase of injury, made redundant etc.

I was up to date with payments until I broke my collarbone and couldnt make my payments.

 

I was told that I had to pay my next payment as my insurance did not cover the 1st 6 weeks.

I was unable to make a payment.

I then never recieved a bill for the next 2-3 years until I recieved 1 demanding the whole amount.

I explained I could not afford this and never heard anything again until I checked my credit report

and I had a default from lowell portfolio for the sum of £479.

 

I think the orginal ammount was roughly £250.

 

I was told today by scotcall that my last payment was on the 30/07/05 but it says on my credit report 30/10/08. This is surely illegal?

 

Can I have the default removed since its been over 6 years since the original date of default?

 

How would I go about gettin this removed?

[dx100uk]

i'd question the cra why a default of +6yrs is still showing.

 

also you meantion insurance

 

you know you can reclaim that!!

 

and any £12 penalty fees ,

 

i'll move your thread to the cat forum

 

there are pleaty of examples to read there

 

i bet they'll owe you!!

 

have you got all the statements?

 

if not i'd sar littlwoods.

 

dx

 

and remember stay off that phone!!

 

and if you get any doorstep monkeys from snotscrawl

 

just remember no DCA has ANY LEGAL POWERS

 

tell them to go away or call the police

 

dx

[Kimbobhoy]

Thanks dx I`ll give that a try and let you know how I get on. Thanks very much for all your help