lloyds debt paid off to gregory penningtons DMC - but money seems to have not got through?

[Ustasi]

Hi All

 

First of all, if this is not in the correct place I apologise and could an admin move it as appropriate

 

A bit of history:

Whilst at Uni in the early 2000's I ran up a debt of approx £7000.

 

After many years of ignoring this I entered into an agreement with Gregory Pennington Ltd for debt management.

 

Scroll forward to Dec 2010 I finally paid everything off.

 

Scroll forward to now, I signed up to Noddle to check my credit rating for the first time in years .

 

On it there is a defaulted debt for approx £700.

 

Now I am pretty sure this was included in my plan.

The original debt was closer to £2000 and the only payments I paid to my creditors were via GPL.

So I believe this is an error.

 

The default date is 24/01/2007, but the record was last updated on 30/11/2012.

 

Now the first thing I would normally do is to check my correspondence from GPL,

however we had a fire last year and I lost approx 99% of this.

 

So my questions are:

 

1) I believe this debt is Statute Barred as the default date is 24/01/2007 (6 years 10 days ago). This as I understand would make the debt unenforceable i.e.. a CCJ. Is this correct?

 

2) If the debt is SB it should be removed from my Credit Report, however if I request this and it is not SB does this count as acknowledging the debt in writing, therefore resetting the SB clock?

 

3) if the debt was included on my payment plan by GPL and it has not been cleared are GPL liable for it (obvs I will have to speak to GPL to get copies of my statements etc)?

 

4) Has anybody got any advise or ideas that I can use (I ran up the debt and have no wish to avoid paying it if I am liable however if it is SB then I will not pay it as its Lloyds mess not mine or GPL if they included it on my plan but did not pay it)?

 

Thanks in advance

 

Ustasi

 

P.S. Great forum and some sound advice being given, wish I had seen it when I was at University and all the hassle could have been avoided!

[dx100uk]

oh dear not our greg

 

lots of reports that they dont actually filter whats left of your money after they take their fees away

throught to the debts you have.

 

anyhow

 

there is light at the end of the tunnel

 

if the defaulted date of the debt is 24/01/2007

 

then it will be gone in a few weeks.

 

All references to a defaulted debt must be removed from your credit files after 6 years has passed from date of default,

whether paid off or not.

This is so that someone who continues paying something even after 6 years from default should not be at a disadvantage

to someone who pays nothing after default and ends up with a clean file after 6 years.

 

dx

[Ustasi]

Ahhh

 

Well in fairness to Greg (from what I remember)

the plan was completed in the time frame they quoted and I had statement off them every 6 month detailing where the money went

(cant check them as they burnt to a crisp keeping us all warm waiting for the Fire Brigade lol).

 

Im more inclined to believe its a mistake from Lloyds side and the CRF was never updated properly,

but who knows and if its SB then who cares! lol.

 

Think Ill leave it a few months to confirm the SB then write to Greg asking for copies of all correspondence,

statement etc (sorry cant recall what its called) and figure it out from there.

 

Ustasi

[Bombaymix]

Did you ever sign up to GP online? You may be able to find the information archived online if yes! Or... Might be worth sending them a SAR?

[Ustasi]

No the GP online wasn't available when I went through the plan.

[ajax95]

Ahhh

 

I'm more inclined to believe its a mistake from Lloyds side and the CRF was never updated properly, but who knows and if its SB then who cares! lol.

 

Think Ill leave it a few months to confirm the SB then write to Greg asking for copies of all correspondence, statement etc (sorry can't recall what its called) and figure it out from there.

 

Ustasi

 

Sounds like usual speed for Lloyds to me. I know a couple of people who found that lloyds would hassle them for a couple of days on end because their records never updated on time...

[Ustasi]

Thanks All

 

Decided to take the plunge and have sent a request via Noddle to remove the "debt" as it has been paid, also just to cover my back I have also sent a request to remove it as it is Statute Bared. Will let you know the outcome.

 

Ustasi

[brokebutnotbeatn]

It is NOT statute barred. You were paying the debt. It will drop off the files yes but it will not become SB'd for 6 years after your last written acknowledgement of it. You need to get GP to send you a statement of the account so you can see what the situation is.