I'll look up the FAQ's again, I don't remember anything specific relating to two default entries from the Experian one, I didn't look up Noddle or Equifax ones I'll have a look at Noddle's, I cancelled after my free trial with Equifax. I at least have a letter from Cabot to say it's the same debt, well at least it indicates as much it doesn't actually say "Yes this is the same debt". I just worry after having read forums where people write the the CRA's and get brushed off and referred back to the DCA's.

What does NDR stand for? I recollect a letter or letters for Reliable Collections, white and blue if I remember correctly but the letter I actually received back in 2008 was a red one, can't remember the name just now. That was the one she paid money to. I was up till midnight last night just putting her bank statements in order I haven't sorted through the debt letters yet. I just remember the red one back in 2008 as it was a Saturday it arrived when she was out, she is always first home and able to get the mail.

It's the 'purchasing of debt' that I don't understand, if they have purchased it then I would have thought the Simply Be account should show as being 'satisfied' with an outstanding amount of £318 i.e effectively closed and due to come off my credit file in 2015 after 6 years as the last entry was in 2009. That would mean Cabot cannot charge interest surely as the original account was terminated? Or have Cabot not purchased the account but are acting on behalf of Simply Be? I'm pretty confused about how it works. If they are acting on behalf then definitely I would have thought they cannot put on a second default entry but if they have purchased the debt and they 'own' it then are they still not allowed to create a second default entry? What are the chances of getting Simply Be to take ownership of this debt back if indeed it isn't still theirs? Cabot are just a big stinking parasite in this matter, if I was just dealing with Simply Be I could explain the situation after the SAR and get it all resolved. The way I see it I am prepared to pay Simply Be what is due, they get their money, I assume my girlfriend got whatever she ordered and I'm the one left put out but I can live with that for a clean credit file, Cabot are screwing that all up.

No I don't want to treat it as fraud, she is the mother of my kids, and has been to hell and back in hand cart over the last 6 years, in some ways it's inexcusable but I'd rather just sort it. I will SAR Simply Be, what I think I will need advice on is the relationship between all these agencies I shall post a timeline of what I have found. I spent so much time going through stuff at the weekend I haven't actually had time to address Cabot's last letter but I'm pretty sure I can show they are lying about sending letters of transfer due to both when and where they claim they were sent. I moved house 5 years ago, had to sell it off to pay off debts I could never catch up with, I had lost my job twice in the space of two years and it killed us financially. lost my job on a Friday, girlfriend told me she was pregant on the Sunday, 8 months unemployed, the sound of letterbox flapping still makes me feel sick inside. I actually complained to Experian already and they said they couldnt do anything other than contact Cabot. I'm going to try again. I will SAR Simply Be but will need to word it so I can address exactly what DCA's they have used and what the relationship is. Can a DCA act on behalf of a creditor but also buy the debt off one so that they hold it? I am positive she paid the first installement as I was in the room, she paid by card over the phone and I know she had more than enough funds to cover it at the time. I found an entry for £150 round about when I think this was, but it was to Simply Be NOT the name of the DCA (I have the letter cant remember the name), her other account in her own name shows payments to JD Williams which is why this one stood out as the most likely payment to the DCA. I'm sorry about my grammar and prose, at work answering calls while on here. Will post a breakdown tonight and will get the SAR done, it would just be very handy to have the exact law about defaulting same account twice as I have to respodnd to Cabot' letter also. They claim to be bemused as to why I would think they were breaking guidelines. I get the impression from reading other forums that they lie through their teeth and will not be helpful at all. What are Simply Be like? So far they have ignored me.

Back in 2008 I got a call from a DCA, I don't have the information to hand but it wasn't Cabot. It transpired my girlfriend had taken out a catalogue from Simply Be in my name. Needless to say I hit the roof. I made her phone them back and she paid off around £150 of a £318 pounds debt over the phone. She said they would be taking the rest off the next month. Another letter came in looking for the balance and I told her to get bit sorted, she later said she had. Case closed as far as I was concerned. I have had serious debt problems in the past and admit to hiding from them due to fear, I'm sure some of you can relate to that. I have never checked my credit files before up until March this year where i reckoned getting another mortgage and leaving the rental market could well be possible. I registered with the three credit agencies to check my files that is when I discovered the two defaults and that is when I wrote to them both requesting a credit agreement, Simply Be and Cabot. Incidentally a week after checking my files I got a letter from Belfast Collection Services chasing the same debt, stating formerly Cabot fromerly Simply Be. I got no response from Simply Be and have had three letters since from Cabot. When getting the third letter and presenting it to my girlfriend it would appear that this was from the previous one back in 2008. Now I am eager to get this settled and am willing to pay this off, but who to? I haven't admitted any liability to either as I will openly admit that I am using the tactic of getting the Cabot one off due to them not adhereing to guidelines. I was then going to approach Simply Be and pay them and request the plead for the default to be removed on the basis it wasn't myself who took it it out, on irresponsible lending and because the integrity of the DCA's they have used have caused the debt to go on. I'm not prepared to pay both companies, effectively paying twice only to have two defaults showing for the same thing that wasn't my fault anyway. The other consideration is if I just go and pay them both to put an end to it there is no chance I can get either default off as they have been paid and they wont care. I have spent the weekend pulling my house apart finding documentation. I have got pretty much all of her bank statements since 2006, she was with three different banks in this time. I think I have identified the payment to the DCA, although it shows as being paid to Simply Be. Madly enough she had regular payments to JD Williams who I believe are actually Simply Be because she took out another account in her own name....I know...she had a problem, mainly due to depression and because once she failed on payments she hid from them due to DCA's adding penalties. At one point she had nearly two grand in her account and wasn't paying off the one in her own name as the interest and penalties were building up. She hid the letters from me, I have found stuff in the loft, garage, above kitchen units. It has taken me all weekend compiling this stuff. yes I didn't take this out, they have no signed credit agreement from me as she did it online. my objective is to get rid of one of the defaults as I believe it cannot be defaulted twice, negotiate the other and live with it if I have to, and basically put an end to this so I can get on and repair my credit file so I can get a mortgage eventually and put a more stable roof above my kids heads. I also would like I am at work just now and but can post up a better timeline of letters sent and received. My objection to Cabot was that no default notice was served, I haven't found a letter fot this, I have to go over the dates they claim one was sent but I think I can prove they have lied in saying they have, for a start they weren't the DCA that had sent the letter back in 2008 which my girlfriend paid. They past the debt on to Belfast Collection Services, I contacted them and they sent a letter back as Scotcall saying the debt was returned to Cabot, Cabot say they didn't pass the debt on to BCS and that Simply Be must have done this, my complaint to Cabot was that they had passed on a debt to BCS without a letter of transfer. I believe this is untrue or confusing at least as to the relationship between all these companies. They also passed it on while it was in dispute. They have defaulted my files again in April and May both whilst they had received a letter of dispute and whilst they failed to provide the credit agreement. I also queried the fact they had added interest, is this deliberate to disguise the fact on my credit files it is a duplicate default entry? Surely if the debt has been bought by Cbot from Simply be then the Simply Be one is terminated and then original conditions do not apply and therefore they cannot add fees/interest? To me the upshot is there surely cant be default entries, I'm looking to get one removed, preferably the Cabot one as I believe they are acting outside regulations and the date on it is current. I would then be free to get things settled with Simply Be, if the default stays I'll have to live with it but it really grates on me that it is on my file. I found letters about the acount in her own name asking for just over a grand but then saying her credit limit had been increased and had brochures for their new season stuff.....mental. I have never and will never take out a catalogue and what should be a clean credit profile is tainted because of my tit of a girlfriend and an irresponsible lender.

Thanks, which forum? In case I can't find it? Then again I take it I will be emailed replies?

I have a default from Candid Collections (Simply Be) on my credit file for £318, it was last updated 2009 but appears to be open, i.e not showing as satisfied. I have another default on my file from Cabot who have said it is the same debt, it was originally for £318 but is now for £336, they have admitted to adding interest to it. I have complained to them that they have added interest to it and that there should not be interest added to it but they aren't listening and are continuing to default the account. They defaulted it in April and May this year despite me sending a letter of dispute in March and another in April. There is more to the story, I wasn't aware of the debt until the start of March this year but I can go into it in more detail if someone can help. My main query is, there is lots of great help on these forms but I understand they cannot show two defaults for the same debt on my credit files. What is the excat legislation for this if this is true, can someone send me as link to the appropriate documentation so I may quote it by name, subsection and paragraph. As I see it if they are acting on behalf of Simply Be then they have to default the same entry and can't create a new one but may be able to charge interest. If they have bought the debt then the old contract (which I never took out, I think my ex girlfriend has possibly done this) is now terminated and effectively I have no contract with Cabot that they can add interest to. My credit file essentially shops that I have two defaulted accounts to the tune of £654. Even if I was due the money to Simply Be this is surely false information on my credit files? I am at the stage where I really think I will have to see a solicitor as Cabot are not remotely fearful of my threat to contact the OFT or the Financial ombudsman. I have sent a request for the Credit Agreement and they havent come up with one, which is understandable, I have never taken one out with Simply Be.