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The Debt Star

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  1. How detrimental is a single late payment marker? Got one just recently and I gather they stay on the CRFs for 4, 5 sometimes 6 years?
  2. That's what I needed to know. Thanks. Sorry if my question appeared obtuse.
  3. I never said "sale." The banks often have DCA divisions. I believe CDCS belomgs to Barclays, but may be wrong. I'm fine with that! The question stands; if a creditor passes their account to a DCA they own, are these being reported separately as settled and as defaults as per post #1?
  4. Sorry, just to clarify, they are now showing the same debt as "settled" with the OC and as a "Default" with the DCA? Out of curiosity, in yuor experience is this the case where the OC and the DCA are part of the same organisation eg Barclays / CDCS ?
  5. So you recommend a letter to Lloyds, as opposed to Equifax, pointing out the duplication?
  6. Hi m8. I already have the SAR and its defo the SAME debt. The DCA purchased it from Lloyds earlier in the year. On Equifax there are TWO entries - both with Defaults recorded for this same debt. Interestingly, on Experian the Lloyds debt was simply changed to the name of the DCA, so just the one entry there. Equifax is the problem.
  7. ok, but does that mean the "settled" one - which still has a red "Default" blob on the payments history - stays on my file for 6 years afetr Arrow settled it or does it come off on the anniversary it defaulted?
  8. "I have absolutely no idea what this debt is for or indeed who Arrow Global are." Perhaps they haven't purchased it. Thats the point isn't it.
  9. right so it is possible to have two defaults filed for the same debt then. because that's what it is. 2 "Default" markers for the same debt, same start date, same default sum, same default date. Just 2 separate entries now. Great.
  10. clearly an outfit that knows his name and address. i'd want to know how they got that info.
  11. personally i'd send a full subjcet access request to see what they have on you
  12. Had a loan with Lloyds defaulted in 2006. Earlier this year they sold the account to Wescot. lloyds marked my CRFs as "settled." The default is still there, but settled. Wescot have just filed the same debt (which they now own) as a default with the CRAs. The dates for both are the same (2006 default) but can they file 2 separate entries for the one debt?
  13. If the default is genuinely unfair then the FOS can order the creditor to remove it. Complain to the FOS.
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