What is the correct Default Date and should I reclaim

[harrassed senior]

HFC Loan - Defaulted - in dispute - no Agreement

 

HFC 'Loan' called a loan, can't find original paperwork but is noted by OC as xx payments of £XX which totals the amount claimed. Fairly sure this was PPI. Same start date.

 

O.C never issued a Default Notice but their entry on CRA says satisfied on 6/1/05.

 

A second entry for the same amount appears from a DCA and the default is listed as 30/11/05. No Default Notice.

 

Now 2 points, firstly can I get rid of these entries altogether by claiming back as PPI mis-sold - is this still possible as I never actually paid the PPI, but then this debt would not exist if it was mis-sold - if you understand me, so it should just be wiped out - I do not expect a refund!

 

Secondly, assuming the above does not happen, which would be the correct default date and which entry should be removed.

[dx100uk]

time for an sar then

 

dx

[harrassed senior]

Thanks for that, however, I do remember reading on here that most OC's etc. do not keep copies of any DN's sent, but I guess there may be a note of it somewhere in their file.

[Pinky69]

The same debt cannot be defaulted twice. Ask the CRAs to remove the second entry immediately.

[harrassed senior]

Thanks Pinky, I've got 3 no less like that so will do that tonight.