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Hi
I have quit few debts defaulted on me in 2016 they are all registered around same time as that's when I was behind payment for more than 3 months. All of the debts have been sold of to DCA apart from 2 that are with catalogue companies and they are still showing open. On mu credit report they showing green so assuming not affecting my score not that I'm bothered but I found it strange as I assume after 3 months of non payment would trigger that. I also have on particular debt sold to Lowell but also showing as open. The problem is most of my default would be over 6 years old soon apart from these 3 which would prob delay getting out of my report.
So can anyone please guide me what to do?
1. As the Lovell one is not with DCA do they have power to default me? And if they were to go to court can I use this as a defense that the originally creditor didn't use the process that they have to serve me a default?
2. About the other 2 with same catalogue company they are the original creditor so I assumed they can anytime default me and I can't do nothing about that until I pay a settlement amount ?
Please help me understand and if anything is odd here.
Regards
I have quit few debts defaulted on me in 2016 they are all registered around same time as that's when I was behind payment for more than 3 months. All of the debts have been sold of to DCA apart from 2 that are with catalogue companies and they are still showing open. On mu credit report they showing green so assuming not affecting my score not that I'm bothered but I found it strange as I assume after 3 months of non payment would trigger that. I also have on particular debt sold to Lowell but also showing as open. The problem is most of my default would be over 6 years old soon apart from these 3 which would prob delay getting out of my report.
So can anyone please guide me what to do?
1. As the Lovell one is not with DCA do they have power to default me? And if they were to go to court can I use this as a defense that the originally creditor didn't use the process that they have to serve me a default?
2. About the other 2 with same catalogue company they are the original creditor so I assumed they can anytime default me and I can't do nothing about that until I pay a settlement amount ?
Please help me understand and if anything is odd here.
Regards
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