My Diary

[Joanna Connolly Solicitors]

If I stop my SO will this flag on my credit file that I have a missed a payment? and potentially make my credit score go down?

According to your original post this PRA debt was defaulted in January 2017 so that Default marker will be on your credit file for six years (i.e. until 2023). After that the whole account file will vanish from sight on the CRAs.

If the file is marked as a missed payment it won't be any worse than the Default blemish already on there affecting your credit score in a negative way.

Di

[The Tech Clerk]

basically which way you want to go as all records regardless are recorded" = ????

[The Tech Clerk]

inevitable change of circumstances, last of your worries, then move on to to see how they react, facts recorded on file have to be true record, even with agreement to pay monthly they can take you to court as many of us found out. especially the likes of HSBC when they know you can cause trouble for them = there way of getting back at you ) (fact)

[ca71]

If I stop my SO will this flag on my credit file that I have a missed a payment? and potentially make my credit score go down?

[ca71]

Thanks, Spud. That's very useful. Thanks for the encouragement. This site is a god send.

[Spud]

Hi ca71

I can see that you have updated your diary for the updated account ( Thread No2) which is absolutely spot on

If you update these initial diary entries as and when you get updates/contact/letters then we can see where you are. This will obviously not show as a new update on the diary if you are looking at the "Todays posts" list as you have edited ( Updated) an existing post, But don't worry about that for a second

We tend to keep the diary posts right at the start of your diary so we all know where they are and can find them quickly. Hence if you update them - We can find them without scrolling through 40 pages of posts ( As time goes on)

Now if its an important update - Such as letter you are concerned about or an important update from Niddy about the credit agreement etc - Then write up a short description as a new post and it will then grab the attention of anyone on here and will of course show up as a new post on the list

However the vast majority of updates to a diary are receiving a standard template letter or statement. So in this case, update your diary but we don't necessarily need know about it unless you have any concerns

Does that make sense? I think I have understood what you are asking

There isn't a specific need to post a "Bump post" unless you really want to. I know they do tend to on other forums but it doesn't happen so much here. That's not to say you shouldn't - Its just we tend to post up and refer back to the specific diary ( Say post 2 etc etc)

It is important to stress, Anything your not sure about or feel you want to ask - Ask away.

In the early years ( until you have built up some experience) its probably wise to ask before you send any letters etc as its important for you that we get this right. There is no such thing as a daft question and you will never encounter any type of judgement or belittlement on this forum - They are a great bunch of people and we have all "been there"

Your doing great

[ca71]

update your diary with this

Hi The Tech Clerk

Can I just check my understanding on this, please?

I've already updated the diary record (by editing thread 2) - however when an edit occurs it doesn't appear to add the full thread to the list of posts updated (I click on 'Today's Posts') to see what has changed.

So I end up adding a 'bump' type message to ensure that it does appear. Am I doing this right?

Thanks in advance

[The Tech Clerk]

Bump - Niddy states the CCA response from PRA group is UE.

update your diary with this

[ca71]

Bump - Niddy states the CCA response from PRA group is UE.

[ca71]

CCA response from PRA. Sent to Niddy.
Plus a covering letter from Cabot saying they are dealing with my request.

[Night Monkey]

'... if they come back and say 'CCA Request? What CCA Request?'

That's why you get proof of posting - you've asked, it's up to them to comply.

[ca71]

Thanks, Di and The Tech Clerk.

I just wasn't sure what the score was if they come back and say 'CCA Request? What CCA Request?' (As if they would do such a thing)

[Joanna Connolly Solicitors]

12+2 days are up tomorrow for the 2 outstanding CCA's. If no response by, say, Monday, is it worth resending this time recorded delivery with a covering letter saying 'Where is my reply to my CCA request?'

I agree with The Tech Clerk. Don’t remind or chase them!

Ideally you want them not to comply with your CCA Request so the debt becomes unenforceable. If you prod them they may just try harder.

What you want for your paper trail is a series of letters from PRA in which they admit that they ain’t got the documents which can be annexed to your Witness Statement if they decide to go legal

Patience is a virtue in this case.

Di

[ca71]

nooooooooooooooooooooooooo you do not want them to dig deeper they know the rules may they fail to find one & if they did it may not be enforceable do not contact them

SIT ON YOUR HANDS and see what they come up with!

Gotcha!

[The Tech Clerk]

nooooooooooooooooooooooooo you do not want them to dig deeper they know the rules may they fail to find one & if they did it may not be enforceable do not contact them

SIT ON YOUR HANDS and see what they come up with!