How long does a company have to register a default with CRA?

[The Tech Clerk]

Re: How long does a company have to register a default with CRA?

Cheers Niddy

Not sure which I have - will send you a copy if ok ?

I find it crazy that I stopped paying in 2005 and the default was registered with CRA in 2010 !!

Makes no sense to me ( I should probably be worried that my current account is with them ? )

Confused

I WILL GET A MORTGAGE ONE DAY !

HAD 3 MORTGAGES WHEN I WAS 21 YEARS OLD BUT NOW GOT MORE CHANCE OF WINNING THE LOTTERY LOL

I you have multiple accounts get your main account out to another Bank not connected with their group as they could/will offset any balance from one account to another which they can do.

[Never-In-Doubt]

Re: How long does a company have to register a default with CRA?

Haha I am that's the problem but not usually in same thread

[Richard999]

Re: How long does a company have to register a default with CRA?

Shouldn't be a problem for you !

You are normally talking to loads at the same time lol

[Never-In-Doubt]

Re: How long does a company have to register a default with CRA?

lol I'm talking to two different users no wonder I am confused

Ok, richard please do mate

[Richard999]

Re: How long does a company have to register a default with CRA?

Cheers Niddy

Not sure which I have - will send you a copy if ok ?

I find it crazy that I stopped paying in 2005 and the default was registered with CRA in 2010 !!

Makes no sense to me ( I should probably be worried that my current account is with them ? )

Confused

I WILL GET A MORTGAGE ONE DAY !

HAD 3 MORTGAGES WHEN I WAS 21 YEARS OLD BUT NOW GOT MORE CHANCE OF WINNING THE LOTTERY LOL

[Never-In-Doubt]

Re: How long does a company have to register a default with CRA?

Thanks will do when the company sends me it.

Thought you said you had it already....? lol

[MLPA2168]

Re: How long does a company have to register a default with CRA?

why dont you scan and send it me

I'll then be able to help better before you do anything....

Thanks will do when the company sends me it.

Cheers for all your help Niddy.

[Never-In-Doubt]

Re: How long does a company have to register a default with CRA?

Yeah I sent the first post without noticing your comment on s.87/88 so edited it.

Is their only one type of default the send in the post then - the s.87/s.88 CCA DN and this has bugger all to do with the Credit Reference Agencies..is that right?

why dont you scan and send it me

I'll then be able to help better before you do anything....

[MLPA2168]

Re: How long does a company have to register a default with CRA?

See my last post lol - forget the notice of default if it was a s.87/s.88 CCA DN.

Yeah I sent the first post without noticing your comment on s.87/88 so edited it.

Is their only one type of default the send in the post then - the s.87/s.88 CCA DN and this has bugger all to do with the Credit Reference Agencies..is that right?

[Never-In-Doubt]

Re: How long does a company have to register a default with CRA?

That's ridiculous!!!

Out of interest if they had sent you a notice of default in 2005 but only registered it in 2009 could you have tried to get it back dated with the CRA's to 2005 on your file so it dropped off earlier.

You saved £2.5 k though!!

See my last post lol - forget the notice of default if it was a s.87/s.88 CCA DN.

[MLPA2168]

Re: How long does a company have to register a default with CRA?

Well now you've found us so don't worry about others, come post here before replying.... I complained to the FOS and I had them in a right fizz but still, they found against me (wankers) - see below, that is on my file cos they closed my account for no reason and I refused to pay....

Look how long till they defaulted me - almost 3 years but FOS said it was fine fools.

ps that is also statute barred

[ATTACH]7770[/ATTACH]

That's ridiculous!!!

Out of interest if they had sent you a notice of default in 2005 but only registered it in 2009 could you have tried to get it back dated with the CRA's to 2005 on your file so it dropped off earlier.

You saved £2.5 k though!!

Sorry correction...just saw your post about default notice served under s.87 of CCA 1974

[Never-In-Doubt]

Re: How long does a company have to register a default with CRA?

Thanks Niddy

The Lloyds one is strange but I will try to sort it - have the DN in black and white dated 2005 !

The DN, ie a default notice served under s.87 of CCA 1974..? Is that what you mean?

If so, that is not the same - I explained this here (look up) --> Default Removal - Almost there! I think.... - allaboutFORUMS

A DN with the CRA's is entirely different to a CCA Default Notice (s.87/s.88 CCA1974) - totally different in every capacity.

[Never-In-Doubt]

Re: How long does a company have to register a default with CRA?

Thanks Niddy

The Lloyds one is strange but I will try to sort it - have the DN in black and white dated 2005 !

As regards Equifax all the info I can find ( including your work on the subject ) shows that many lenders only use Experian for searching purposes eg Nationwide although they often report to all !

Rich

Ahh NW do search Experian but they report to all, yes but see when it comes to mortgage - see this

--> Miss Muddle's UE Diary - Page 7 - allaboutFORUMS

They are very strict mate

[Never-In-Doubt]

Re: How long does a company have to register a default with CRA?

So they got a default, wow - I saved 2 and a half grand so who won that, really?

Try and see things from that angle... seriously, you'll laugh when you stop worrying about your credit file. I started this forum with over 50 defaults or something mad like that.... none were mine back then, victim of ID fraud and I have spent 5 years fighting to clear my name then I get this - it's laughable

[Richard999]

Re: How long does a company have to register a default with CRA?

Thanks Niddy

The Lloyds one is strange but I will try to sort it - have the DN in black and white dated 2005 !

As regards Equifax all the info I can find ( including your work on the subject ) shows that many lenders only use Experian for searching purposes eg Nationwide although they often report to all !

Rich