Thread: multiple defaults for one account

I have an Egg and cahoot credit card which I defaulted on both in 2005. The debts were subsequently sold on to Lowell. Since Lowell became involved they have been making entries on my CRFs. The original defaults from egg and cahoot are also sitting on my file.

My understanding of the Information Commisioners Office technical guidance for filing defaults is that when a debt is sold on, the buyer must either take over responsibility for the existing CRF entries, or the original creditor must mark the entries as satisfied and the buyer does not make ANY CRF entries at all.

Has anyone had a definitive answer from the ICO on this?

I hope you get an answer, because I have been asking the same question. Link have a default registered and they bought the debt from MBNA who also have a default registered. Writing to the CRA got me nowhere.

I asked equifax to remove the cahoot record. They contacted cahoot and lowell but received no reply within 28 days so removed it. I have challenged the two defaults for the Egg account and they are doing the same process.

potentially yes, but there would only be one default as opposed to two.