Numerous defaults now falling off record - help needed with some of them

[teejay26805]

Hi -

 

I have a number of debts I've been paying a token payment to for almost six years following a redundancy, and reduction in salary plus I suffered a serious heart attack.

 

I live in Scotland.

 

Some of the defaults are now falling off my record however there are 2 or 3 which do not fall off until towards the end of 2023.

 

Looking into these further I find the first missed payment was 10 to 12 months before the default was recorded.

 

Is there any scope for having the default corrected in these cases to clear my file up more quickly?

 

I would like to remortgage next year and most of the others are off my record from now until the end of this year.

 

These three may mean I cannot remortgage until they are off too which will put my plans back a further year.

 

Hope that makes sense.

 

Any support appreciated.

Edited August 2, 2022 by dx100uk
Spacing

[dx100uk]

Sadly no 

 

The ICO guideline of 3-6mts changed in 2014 

 

Your issue here is blindly paying a token payment and running the sb date to infinity. But you're health wasn't good so p'haps not thinking straight.

 

If any debt is now owned by a DCA . Send a CCA request 

 

Dx

[teejay26805]

Thanks DX - they are all now with various DCAs. I'll fire off CCA requests for each account and wait for the defaults to drop off.

[teejay26805]

CCA requests ready to post tomorrow. I’ll update the post when the responses start to arrive. 

[dx100uk]

If!!

 

once they fail the 12+2 working days deadline one of your options is to cease that payment.

 

Dx

[teejay26805]

I have sent the CCA requests and got proofs of posting. Now the wait to see if anything comes back. If they fail to respond do I just stop the payment?

[dx100uk]

Read my last post.

 

Cant hurt to read others threads to here

Go back to this sub forums homepage you used to create your topic

 

Dx

[teejay26805]

The 12+2 deadline has passed and none of them have responded with a CCA. Some have replied basically saying they are still waiting for it from the original creditor and for the time being the debt is uneforceable etc.

 

I now cancelled all payments to them.

[dx100uk]

The start of £1000's getting wiped and you not being a DCA cash cow.

 

Dx

[teejay26805]

I had a "special delivery" from Amex today following my CCA request. They sent a bundle of documents including a copy of the:

- online application form

- Terms and Conditions

- Notice of Variation

They have also included a signed statement of account showing:

i. the state of the account

ii. the amount currently payable

iii. the basis on which any subsequent payments would become payable; and state:

"These documents form the executed agreement between..." me and Amex.

The cover letter states "This account has been cancelled and referred to an outside agency. In this instance, any payment plan agreed with the agency must be adhered to."

 

Can I get some guideance on what this is. It doesn't appear to be a CCA.

 

[dx100uk]

application form is NOT a signed agreement

 

scan up what they have sent to one mass PDF

read upload carefully

 

we dont need statements

 

dx

 

[teejay26805]

Amex CCA response-compressed.pdf

[dx100uk]

oh dear

no sig

no date

no address 

etc etc 

unenforceable.

 

when did you take this card out?

 

dx

 

[teejay26805]

I took it out in July 2013

[teejay26805]

I should say - I redacted my details (name, address etc.). My Signature isn't on any of the documents though.

[dx100uk]

And no tickbox or IP address? Was it an online application?

 

Where were your details, what page no. Of the pdf?

 

Dx

[teejay26805]

Yes - it was an online application.

 

My aplogies - I hadn't included the sheet with my details... here it is. It should be after page 3 of the original file

 

 

Amex name sheet.pdf

[teejay26805]

Wescot have sent me the attached as the CCA response for a Santander credit card. Looking for guideance whether this is enforceable please.

 

Santander CC Response.pdf

[dx100uk]

who are wetcloths client.

when did you take this out, you've blocked the date

 

 

 

 

[teejay26805]

It was taken out in July 2013 with Santander

[dx100uk]

who are wetcloths stated client?

 

dx

[teejay26805]

Their letter has Santander UK Plc as the client

 

[dx100uk]

thank you.

 

there should be pages of T&C's?

your correct name and address for the time of takeout should be on its 1st page?

 

 

[teejay26805]

They only sent this two sided one pager. My details are correct on the first page of what they sent. 

[dx100uk]

then their CCA return is not complete.

however as this is still with the original creditor..........

 

id see where satans bank go with this IMHO.