I've got a situation with an old debt that is now effectively on my credit report twice.

The original debt was £50.

The DCA have increased it to £200.

But the weird thing is that there are two entries on my credit file for the same debt. One marked as closed and one open.

Is there anything I can do about this as it kinda looks to any new creditors like the 2nd entry is a 'new' debt, which it isn't.

The DCA is shown as "Debt Managers".

Thread moved to the appropriate forum.

Please continue to post here to your thread.

Regards

Andy

Thanks!

As long as the defaulted dates are the same its not hurting you

What the debt all about?

Hi

Im so sorry to tag onto the end of this forum but I do not know where to write. I have a credit report issue. I swapped mobile phones and missed a final payment which is now cleared but has hurt my credit report and a subseuquent mortgage application. Could you possibly redirect me to the right forum?

Thanks in advance and apologies again

Seachan1

start a new thread

As long as the defaulted dates are the same its not hurting you

 

What the debt all about?

I suppose, yeah. Just not seen it done before with any other accounts.

EDIT: It's an old Next catalogue account.

If I settled this with them, considering it's over 3 years old and DCA fees make up most of the debt, what are the chances of the DCA removing the default(s) from my file? Any letters I can use?

If I settled this with them, considering it's over 3 years old and DCA fees make up most of the debt, what are the chances of the DCA removing the default(s) from my file?

About as much chance of you winning the national lottery each week for the next month.

There is absolutely NO chance of this being removed, whether you pay up or not, this WILL auto drop off your credit file on its sixth birthday.

DCA's CAN'T add fees, there is no legal remit to do so and are unlawful penalty fees..

What have DM been sending you?

What is the debt? Mobile phone? Overdraft? Loan??????????????????

About as much chance of you winning the national lottery each week for the next month.

 

There is absolutely NO chance of this being removed, whether you pay up or not, this WILL auto drop off your credit file on its sixth birthday.

 

DCA's CAN'T add fees, there is no legal remit to do so and are unlawful penalty fees..

 

What have DM been sending you?

 

What is the debt? Mobile phone? Overdraft? Loan??????????????????

Hmm, don't like those odds.

It's a Next catalogue account.

Does the DCA apply the default or the original creditor?

All I know is that the amount owed before being passed to the DCA was around £50. Now it's shot up to £200!

They've been sending emails....asking for contact to be made and then recently something about a 'legal assessment'....

There was no contact before but it just started out of the blue late last year.

The OC applies the default, the DCA can ONLY update it.

So Next will have defaulted you and applied the credit mark, when did you take the cat out??

The odds are in YOUR favour, there is zero point in throwing money at it, just to try and improve your CRF, you won't, it's there for 6 years regardless.

They've been sending emails....asking for contact to be made and then recently something about a 'legal assessment'....

 

There was no contact before but it just started out of the blue late last year.

Ignore emails AND any attempt to contact you by phone, if they do ring, laugh and hang up.

Deal with them in writing ONLY.

Wait for them to send you a begging letter, and pop back here and tell us what they say.

Okay thanks. It's just I had heard a few success stories of defaults being removed.

I'd be interested to know what the additional debt that has been added on top is - any ideas?

Took the cat out in 2009...

no the DCA would not have added anything.

next would have done that before the sale

as they would have defaulted the debt too

and sadly no theres no way to remove the default

paying it wont resolve the issue either.

have you sent next an sar to get all the statements.

if you can PROVE the debt is all penalty charges then once reclaimed

it would prove the default notice was faulty

and that might resolve the issue

dx

Hang on - just found a document from them from last year, which is maybe why they started chasing:

We are attempting to contact the above named person and our recent investigations have resulted in your details being obtained from a credit reference agency. Your address has been provided by them due to a link with the data we hold, as a possible new address for the person we are wishing to contact.

 

To verify that you are the person we are wishing to contact, or if you believe you are not the subject, please contact us urgently on 01709 537 265 so that our records can be updated appropriately.

 

If we do not receive a response to this letter within 7 days, we will assume the link is correct and further communication will be made.

I even wrote to Next when I was made redundant and offered a token payment and to stop interest, but it looks like they ignored that completely.

no the DCA would not have added anything.

next would have done that before the sale

as they would have defaulted the debt too

 

and sadly no theres no way to remove the default

paying it wont resolve the issue either.

 

have you sent next an sar to get all the statements.

 

if you can PROVE the debt is all penalty charges then once reclaimed

it would prove the default notice was faulty

and that might resolve the issue

 

dx

Sorry missed your bit about account statements.

How would I go about doing this?

I don't want to restart the 'statute barred clock'.

as I already said - send next an sar

no it doesn't reset SB

Once I can prove with statements that over 60% of the alleged debt is charges and I didn't receive a default notice, what would you recommend for next steps?

Have you ever heard of a DCA transferring a debt back to the OC?

Once I can prove with statements that over 60% of the alleged debt is charges and I didn't receive a default notice, what would you recommend for next steps? Nothing unless they issue a court claim.

 

Have you ever heard of a DCA transferring a debt back to the OC?

Regards

Andy

Thanks Andy!

Just to confirm, were they cases where the debt had been sold or just passed to an in-house collection agency?

No ..the debt had actually been assigned and then returned to the OC

No ..the debt had actually been assigned and then returned to the OC

I've had this as well - how does it actually work in terms of what the purchaser paid for the debt - do they get their money back ?

I've had this as well - how does it actually work in terms of what the purchaser paid for the debt - do they get their money back ?

Who really cares?

I've had this as well - how does it actually work in terms of what the purchaser paid for the debt - do they get their money back ?

Depends on the type of assignment.