I have recently been declined Car finance and wasn't sure why as I already have on my current car so took a look at my credit file with Experian think I need help not sure what to do below is what I found: Barclaycard started in 5/03 default 4/12 last payment 2yrs show on my credit report as default but satisfied. MKDP shows the same debt Barclaycard could this have been sold to them? I haven't heard any from them at all. Cabot Financial started on 10/07 default 2/10 no coms from them at all. Lowell Started on 10/7 Default on 3/12 now this is the strange one as credit report says £1,079 and shows my previous address but I have received a letter from them yesterday stating what I can only think is the same debt but the amount is £567.68 which is very confusing. I was think and prob wrong but if I ring them to arrange payment they would take it but for how much if I pay is it going to improve my credit rating of 611? Also last question the Cabot and Lowell would be from what I have read be Statue barred as of Oct this year. thanks in advance Claire
Dca showing on my experian help please
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Re: Dca showing on my experian help please
Hi claralou7011, & welcome to Legal Beagles.
When was the last time you paid into, or acknowledged in writing, the alleged debt?CAVEAT LECTOR
This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)
You and I do not see things as they are. We see things as we are.
Cohen, Herb
There is danger when a man throws his tongue into high gear before he
gets his brain a-going.
Phelps, C. C.
"They couldn't hit an elephant at this distance!"
The last words of John Sedgwick
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Re: Dca showing on my experian help please
Am I reading this correctly?
You think that there is only one debt, but it is being chased by multiple Debt Collection Agencies?CAVEAT LECTOR
This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)
You and I do not see things as they are. We see things as we are.
Cohen, Herb
There is danger when a man throws his tongue into high gear before he
gets his brain a-going.
Phelps, C. C.
"They couldn't hit an elephant at this distance!"
The last words of John Sedgwick
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Re: Dca showing on my experian help please
Thanks for that.
Cabot & Lowell are debt purchasers; that is, they buy portfolios of debts (usually 'problem' debts) for pence in the pound.
Alternatively, they may act as agents for for the original (or last) creditor.
So, with reference to these latter two, what 'debts' are they chasing?CAVEAT LECTOR
This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)
You and I do not see things as they are. We see things as we are.
Cohen, Herb
There is danger when a man throws his tongue into high gear before he
gets his brain a-going.
Phelps, C. C.
"They couldn't hit an elephant at this distance!"
The last words of John Sedgwick
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Re: Dca showing on my experian help please
thanks charitynjw I have no idea what they are chasing or the company on my report it states card & mail order, I didn't know anything about these until recently and didn't take out any finance I split with my ex a few years ago and they have now come to light but I cant prove he did this
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Re: Dca showing on my experian help please
Have a read through this http://www.legalbeagles.info/forums/...ing-with-DCA-s (with thanks to Curleyben), & send them the letter on post #4.
Golden Rule - always get proof of postage.CAVEAT LECTOR
This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)
You and I do not see things as they are. We see things as we are.
Cohen, Herb
There is danger when a man throws his tongue into high gear before he
gets his brain a-going.
Phelps, C. C.
"They couldn't hit an elephant at this distance!"
The last words of John Sedgwick
- 1 thank
Comment
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