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Can A Debt Purchaser Apply A Default If It's Never Had One

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  • Can A Debt Purchaser Apply A Default If It's Never Had One

    Hello,

    First time poster here, bit of an odd occurrence it seems looking online, I have a debt that was sold on and prior to that it had never been defaulted either with a notice or on CRA files.

    The debt was in an AP of around £5 a month with the original lender before being sold for about 2 years.

    I have a SAR from the original lender, nothing there at all. When sold it removed from my CRA files.

    I sent a CCA to the agency used by the new owner who acknowledged, since then I've had nothing.

    Now I've been sent a notice of default for a months time from the owner.

    I will now be defaulting 4 years after the account got into trouble seems a bit unfair.
    Tags: None

  • #2
    When was the loan taken out? When was the last payment?

    Comment


    • #3
      Hello

      Its a CC. Taken out in 2015

      In Spring 2016 entered into a payment plan to pay off as I couldn’t afford and had missed the contracted £200 payment.

      This went on till the end of 2019 when it was sold to a debt agency.

      After sending a request CCA last summer and they stated no action would be taken as they try to find it I paused payments then.

      Comment


      • #4
        Just bumping this can anyone help?

        Comment

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