Fieldy618's diary

[Fieldy618]

Yes, credit agreements are always emailed to Niddy for checking using webmaster@all-about-debt.co.uk

Put your forum username in the subject bar and add a link to your thread in the body of the email.

Di

Have forwarded it on now.

Thanks for your help

[Fieldy618]

Hello all,

It's been a long time since I last posted on here. I haven't posted due to not much changing in regards to companies chasing me but I recently got two letters through from Moorcroft to say that they would be passing my accounts to a company called resolvecall who may try and visit me at my home. Does anyone know if this resolvecall are regulated? The last I remember was that Moorcroft wasn't FCA regulated. Does anyone know if this is still true and what would be the next steps I should take?

Thanks in advance

[nightwatch]

Hi.
Resolve call, are a go-between company, the people they employ are, or used to be commision based. They have no actual power as such, all they do is call at your home/ phone you, to try and get you to "reconect" with Morecroft, If anyone does call you can try the following;
A, don't open the door.
B, don't tell them anything.
C, say " not today thank you for your call, shut and lock the door

the person that calls does not need to be told anything, they may put a card through your door asking you to contact morecroft, ignore it.
They are just doing a job to help pay for the luxuries of life, like food, they will be paid for the call.

the one and only time they called at my house, i said I wasn't in the mood for a chat and shut the door, leaving him on the door step.

P>S you could put a note on the door saying you are shielding and may not open the door unless it is someone you know.

[The Tech Clerk]

If resolvecall agent arrive they may leave a card asking you to ring an office bin it they are just getting monies to deliver, no powers shut the door and have a cup of tea

[Fieldy618]

Thank you for your replies, super helpful as always

[Fieldy618]

Hello,

I had been contacted last year by Link financial to say that they had taken on my Intrum debt. They have just begun to add defaults to my credit file each month because I am not paying them. I originally defaulted with Halifax in April 2018. I was acknowledging the debt with Stepchange until August 2020. Since then I have ignored correspondence. I'm assuming they can legally do this? Because I acknowledged the debt until 2020 does this mean it would take until 2026 until I could legally ignore the debt or am I not understanding that correctly? Thanks in advance

[The Tech Clerk]

6 years from last acknowledgement or 5 years in scotland

[Fieldy618]

6 years from last acknowledgement or 5 years in scotland

Thanks. Assuming they are allowed to start adding defaults to my file if they've picked up the debt and I'm not acknowledging?

[The Tech Clerk]

was an original default added to a credit file? only then can they change the owners name, and you say 2020 last payment? so was a default in place? if not then suspect new default added BUT that would be another case of complaints to FCA etc?

[The Tech Clerk]

A default notice is a formal letter sent to you by a lender or creditor if you are in arrears with your account. Creditors and lenders are legally obliged to advise you formally in writing that you have missed payments.


three to six months
A default notice is normally sent when you've missed or paid less than the full amount for three to six months. Default notices only apply to debts regulated by the Consumer Credit Act. These include credit and store cards, payday loans, personal loans and hire purchase.

[The Tech Clerk]

send to originator that should give all data/dates/ etc get free proof posting:-


Reference:- xxxxxxxxxxxxxxxxx


Subject Access Request - S.7 Data Protection Act 1998 - Data Protection Act 2018/21/23.


Under the Data Protection Act 1984 and 1998 also 2018 in particular to “Article 15 of the UK GDPR 2021/23


Please supply me with a copy of all information your company holds on me including a list of accounts and details of payments along with copies of statements.


Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, I hereby request that you supply me with any and all historical data in your possession which relates to me and that I am entitled to under section 7(1) of the Act.


If you store any of the older records on microfiche, please be aware that the Information Commissioner deems this to be a relevant filing system under the Act. As such, any microfiche data must be sent to me in fully legible and comprehensible form. To include any Microfilch records.


Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my business with you.


If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.



You have 30 days in which to comply.

[Still Waving]

Thanks. Assuming they are allowed to start adding defaults to my file if they've picked up the debt and I'm not acknowledging?

Can you clarify just what you mean by "adding defaults" (plural)? What form do these take? There should be only one default date per account - usually added by the original creditor - and any subsequent creditor should keep the same date. I understand that a subsequent creditor has sometimes been known to change the default date, but a complaint to the CRA should rectify that. But if you are looking to get to SB, contacting the CRA could be seen as acknowledging the debt.

[The Tech Clerk]

Seems initially defaulted 2018 - then sold to another company who has changed owner details as they now own the said alledged debt = the correct procedure as they are the owners and within 6 years Eng/Wales 5 years Scotland. So they are just adding their ownership name.

as default 2018 then they have not altered dates.?

[Fieldy618]

Can you clarify just what you mean by "adding defaults" (plural)? What form do these take? There should be only one default date per account - usually added by the original creditor - and any subsequent creditor should keep the same date. I understand that a subsequent creditor has sometimes been known to change the default date, but a complaint to the CRA should rectify that. But if you are looking to get to SB, contacting the CRA could be seen as acknowledging the debt.

The initial default date hasn't changed, Link financial bought the debt late last year. Upon checking my Transunion credit report Link financial has started adding monthly 'defaulted' to my file since March.

[Fieldy618]

Seems initially defaulted 2018 - then sold to another company who has changed owner details as they now own the said alledged debt = the correct procedure as they are the owners and within 6 years Eng/Wales 5 years Scotland. So they are just adding their ownership name.

as default 2018 then they have not altered dates.?

No, the original default date is the same however they have started adding monthly 'defaulted' to my file as above. Assume they're allowed to start doing this?

?My other question was that because Link bought the debt after I last acknowledged with step change in 2020. Does my original date of 2018 still stand or would it be 2026 because of Stepchange acknowledgement?

Thank you.