Thanks for the reply. I will do the SAR on both the accounts, making sure I dont acknowledge the debt and same time asking for copies of CCA. Will see where we go from there.

I guess your right, the sooner i have cleared the sooner i can start the rebuild; though think I have put my foot it in already with some of the DCA (like Cabot). This forum has given me a lot of hope!

That was a useful fact I didnt know DonkeyB, by registering with Experian over the weekend, I have now put myself back into play (LARGE EXPLETATIVE HERE). Time to find a new home !

I have just started to get a grip of a huge debt problem that I buried my head in the sand about a few years back. As part of this process I had signed up with Experian to get a copy of my Credit File. (found it amazing what counts and what doesnt). Anyway. I defaulted on a HBOS Preference Card Account at the start of 2007, with a credit limit of around 10k. (all three have the start date of 18/4/97) so I know they are the same account. looking at my credit file I have three entries for the account, Two are marked as Settled, with the third being in default. The first two entries are at my previous address, with the third (defaulted) entry at my current address. First two have settled dates of the 3/9/2006 & 14/5/2006 accordingly. Credit limit and everything else is the same. the last entry, has credit limit (history) of 10k, current balance at 11k, and the default date of 3/4/07 (which is correct). Can anyone explain why I have multiple entries? is it a good or bad thing on my rating / history? Other than pay the one in default should I do anything? Thanks Kev

Just examined the Credit report in detail, and its my mistake, the default dates are still back in 2007, its just an update date and their names (instead of Barclays) that have been amended. Sorry today was first time I had ever looked at my credit file. (Very eye opening)

ok, so i dont get confused. What i am after a) Overdraft, after this response (in orginal), suggested next steps pls? Is it as their response implies my duty to prove I dont owe or their duty to prove i do. Remembering I had on the phone agreed a provisonal payment plan with them. Should I let this one go and keep to agreement? or try fighting it from this position? b) Loan, they havent replied yet, so do I wait until they do? (Even though they have registered deafult against me in credit file), or should I put in a more formal SAR asking for copy of CCA. All advice welcomed.

but if Cabot record a default with a date of the 13 March 2011, is it that date or the date of the orginal default that counts? Sorry very new to this area and have recently had my eyes opened.

thank you

Ok, let me start Cabot are chasing me for two amounts both are debts they have purchased from Barclays. An overdraft £2300 An old loan £4500 First I made the mistake and phoned them on the 9th March (Then read these forums, YES I know the wrong way round, now I am communicating only in Email) BUT I did confirm my current address and some income. I was a little vague on outgoings. On the phone I disputed the Loan on the phone and had their agent say they could see a final payment, but couldnt see how much in Mar 2007. We then went to the overdraft, and we agreed a plan (1k now) and nine payments of £100 each month. (Have I cut my own throat here!). For others information they are very skilled starting with a 'In theory what could you pay' which by the end of the conversation is a commitment to pay. If I have to now honour these now, so be it. They sent me an email to confirm this plan, and as I had asked for who their data protection officer was, (hoping to request a copy of the call recording), I had a working email address with which to communicate which I knew they were monitoring (ie not a Dont Reply). Thinking this would be cheaper and easier than stamps and would give me some sort of record. After reading the forums, I have sent the standard provide me with the CCA type email (slightly modified as I didnt send any money, but wanted on record the account is in dispute). I also noticed TWO defaults have been added to my Credit File over the weekend and asked for these to be removed. Cabot have just responded :- Dear Mr Your Query Further to your recent communication regarding the account detailed above. Cabot Financial purchased this account on the 24 February 2009 with an outstanding balance of £2300.88. The last payment was made on the 4 September 2006 according to information passed to us from Barclays Bank Plc. So that we can fully investigate the matter we require further information regarding the settlement for example when the payment was made, how much was made and the payment method. Upon receipt of this information we will liase with Barclays regarding the matter and advise you of the outcome. Regarding the registration of the default, this will remain on your credit file for a period of 6 years from registration. Once it has been proven that the account has now been cleared this will then show as satisfied but will not be removed. We trust this clarifies the situation and await your response. Contacting Cabot If you have any queries, please call one of our customer advisors on 01732 524615 (Minicom: 01732 524630). Kind regards Cabot Financial What should my next step be :- Send in a proper CCA Letter with postal order? Any help would be very much appreciated.