Catalogue default

[debtnewbie]

Sorry another question about a small Next Catalogue debt.

• The default date has been set at July 2013.
• At that time, the outstanding balance was around £50.
• I wrote to the creditor advising of position and offering token monthly payment - this was declined.
• The default - dated July 2013 - on my credit report is for the sum of approximately £200.
• Debt was sold in 2016 to a DCA.

I can only think that the increase in the amount is due to charges on the account which have been added AFTER the default date.

Do you think that I have a chance of getting this removed and paying back the original amount?

I'm hesitant to put anything in writing in case it resets the SB clock and I can't get the default removed.

Thanks for any help and advice!

[nightwatch]

Re: Catalogue default

sorry once the Default is on your crdit file it is there for 6 years, 5 in scotland.

[debtnewbie]

Re: Catalogue default

sorry once the Default is on your crdit file it is there for 6 years, 5 in scotland.

Thanks - I understand the timelines but this one is a bit unusual and the amount has been retrospectively applied to the default it seems.

So what I'm asking is if the default is not properly applied or is 'faulty', I wonder if anyone has had a success of it being removed...

[Never-In-Doubt]

Re: Catalogue default

sorry once the Default is on your crdit file it is there for 6 years, 5 in scotland.

6 years. Statute Barred is 5 years in Scotland but a default is 6 years nationwide.

[Never-In-Doubt]

Re: Catalogue default

Thanks - I understand the timelines but this one is a bit unusual and the amount has been retrospectively applied to the default it seems.

So what I'm asking is if the default is not properly applied or is 'faulty', I wonder if anyone has had a success of it being removed...

The debt may have been only £50 but there will be charges applied to the debt. The default amount won't change.

If they're hassling you send a CCA Request. If not don't worry about your credit file. The amount is quite irrelevant.

[debtnewbie]

Re: Catalogue default

Thanks!

So the default amount can change over time?

[Never-In-Doubt]

Re: Catalogue default

Thanks!

So the default amount can change over time?

no. It's set. It's defaulted hence the amount can never change.

Im suggesting after you stopped paying it was £50 but they'll have added charges etc to it before you were defaulted. You physically cannot be defaulted the same month you stop paying.

[debtnewbie]

Re: Catalogue default

no. It's set. It's defaulted hence the amount can never change.

Im suggesting after you stopped paying it was £50 but they'll have added charges etc to it before you were defaulted. You physically cannot be defaulted the same month you stop paying.

I get that, but when the account defaulted there is no way that £150 could have accrued in the space of a couple of months....

So what I'm saying is that the default was put on in 2013 at a certain amount and then changed when the debt was sold on.

[Never-In-Doubt]

Re: Catalogue default

I get that, but when the account defaulted there is no way that £150 could have accrued in the space of a couple of months....

So what I'm saying is that the default was put on in 2013 at a certain amount and then changed when the debt was sold on.

Both entries should appear on your file. The original entry from Next which will now show as Satisfied then a new entry from the DCA using the EXACT same details (value / default start date) - if not raise a dispute against the entry with the CRA direct as its an error.

Do you know for a fact what was recorded as a default by Next, ie the value of the default? Specifically on your credit file - not a s.87 Default Notice (paper copy by post)...

[Never-In-Doubt]

Re: Catalogue default

Just re-read. You say in July 2013 next added a default for £200.

Then in 2016 it was sold. Therefore the entry on your CRA will be accurate. Only if next recorded it at £50 would you have an argument.

As to why the debt is £200 (forget the default - you're disputing the actual debt not the default itself) it'll be charges. £28pm missed payment likely - so 6 of them easily takes you over £200. A default shouldn't be added until after 3 missed payments so that's a good £84 straight away.