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Some of you may have read my thread on an incorrectly set-out stat demand served upon me last year by a sol acting for 1st Credit. It's been a long process of trying get find out how he was allowed to do this and how he got away with setting out the stat demand. My first complaint against him was not found in my favour by the SLCC and if I wanted to challenge their findings, I'd have to do so in court. Handy, that, eh?
Anyway, this thread is about the placement by 1st Crud of a second default marker against the account they bought from the OC. I only discovered this by accident last year when someone suggested I look at the file to see if the sol placed a default. What I found was rather perplexing. The sol issued his (laughable) default letter on 25 May, 2012 but when I finally got to look at the file it showed 1st Crud had marked a default date of July, 2008, some three years after the OC served the default and some four years before the monkey sol served me with his, which was served on behalf of 1st Crud. Incidentally, the update of that file was October, 2011, but I don't know if that's when the whole file was updated or 1st Crud were tryign their hand as they bought the account in July, 2011.
So, here we have a (non in-house) solicitor issuing a default notice. This sol has a licence for debt collection but how can he think he can issue a default notice? Also, the monkey fails to understand that a default is only ever issued by the OC and if any arrears and not recitified, the agreement can be cancelled.
Let me log the timeline of this account:-
I am amazed at the stupidity that's being shown by these people but what really worries me is that they can do what they damned well want, without fear of being censured. My credit file is in a bad way but has been getting stronger since 2005. Now, here we have an attempt at damaging it further with a marker 1st Crud had no right to place there in the first place. Incidentally, if anyone wants to see the sols default, I'll post it up.
Comments, please!
Anyway, this thread is about the placement by 1st Crud of a second default marker against the account they bought from the OC. I only discovered this by accident last year when someone suggested I look at the file to see if the sol placed a default. What I found was rather perplexing. The sol issued his (laughable) default letter on 25 May, 2012 but when I finally got to look at the file it showed 1st Crud had marked a default date of July, 2008, some three years after the OC served the default and some four years before the monkey sol served me with his, which was served on behalf of 1st Crud. Incidentally, the update of that file was October, 2011, but I don't know if that's when the whole file was updated or 1st Crud were tryign their hand as they bought the account in July, 2011.
So, here we have a (non in-house) solicitor issuing a default notice. This sol has a licence for debt collection but how can he think he can issue a default notice? Also, the monkey fails to understand that a default is only ever issued by the OC and if any arrears and not recitified, the agreement can be cancelled.
Let me log the timeline of this account:-
- OC issues default in July 2005; payments halted in spring of 2009 after CCA reveals incorrectly set-out agreement.
- OC notifies me in July, 2011, of assignment of balance on account to 1st Crud earlier that month.
- May 2012 sees me notifying sol of complaint to SLCC and DSARing him.
- DSAR uncomplied with; sol cites 'legal priviledge' but attaches default letter dated May, 2012
- Credit File viewed September, 2012; default placed by 1st Crud in July, 2008, before they had taken possession of the account!!
I am amazed at the stupidity that's being shown by these people but what really worries me is that they can do what they damned well want, without fear of being censured. My credit file is in a bad way but has been getting stronger since 2005. Now, here we have an attempt at damaging it further with a marker 1st Crud had no right to place there in the first place. Incidentally, if anyone wants to see the sols default, I'll post it up.
Comments, please!
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