Tweet
I was wondering if anyone can help ma and knows where I stand, in 1996 I applied for a credit card. I requested a copy of the agreement and received a copy of my application form, no prescribed terms or any other T&C's indicated or referred to. Roll on to 2008 I ran into financial difficulties and entered into a DMP. Whilst on the DMP the credit card company assigned and sold my debt to a DCA. All amounts have now been paid in full but have left a mark on my credit file with the CRA's.
I would like to know if I can ask the DCA to remove all adverse details supplied to the CRA on the grounds 1) that I believe that original application was unenforceable and 2) the letter of assgnment was not served per the Law of Property Act 1925 (I understand that this is the law relating to the selling of debts but please correct me if I am wrong) and as such I have not given my permission for the original credit card company to process it also the DCA cannot notify the CRA either as they have neither the right or permission given that the assignment was not lawful either.
Thanks
I would like to know if I can ask the DCA to remove all adverse details supplied to the CRA on the grounds 1) that I believe that original application was unenforceable and 2) the letter of assgnment was not served per the Law of Property Act 1925 (I understand that this is the law relating to the selling of debts but please correct me if I am wrong) and as such I have not given my permission for the original credit card company to process it also the DCA cannot notify the CRA either as they have neither the right or permission given that the assignment was not lawful either.
Thanks
