Default 3 years after original debt - is this legal?

[starflower81]

Hi there,

 

I was wondering if anyone can help me.

 

I recently applied for my credit file and noticed a default notice for £2800 under a DCA. I wrote to them and asked for a CCA and they wrote back saying the debt had been passed back to BT and the account was closed.

 

So I contacted BT who advised the debt was actually for £500 and was dated back to 2002! So this is now statued barred which is great however the DCA took over 2 years to add the default onto my file so this is affecting my ability to get a mortgage.

 

Does anyone know if companies are allowed to issue default notices years after the original contract was breeched?

 

Also what really worries me is that the DCA has added over £2000 to the original debt of £500 which looks even worse on my credit file.

 

Any suggestions on how I can get the default removed? Do I need to contact Experian to dispute the information?

 

Many thanks

[dx100uk]

if the dca had no authority to place the default on your cra then i'd write to both and demand it is removed.

 

dx