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Two Defaults on one account

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Hi there,have just been looking at my Experian account,and there are two different defaults, for the same Barclaycard,but showing on seperate accounts,one is by 1st Credit,the other by Barclaycard.

Are they allowed to do this,thanks.Steve:eek:

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Hi there,have just been looking at my Experian account,and there are two different defaults, for the same Barclaycard,but showing on seperate accounts,one is by 1st Credit,the other by Barclaycard.

Are they allowed to do this,thanks.Steve:eek:

 

Put simply, NO!

 

Who is chasing you for the debt? Barclays or 1stcrudit?

If 1st have bought the debt from barclays then the only default showing should be from 1st, barclays should have removed their mucky footprints from your file when they sold it!

 

Get in touch with experian and make a complaint that there are two defaults showing for the same account.

Then make a complaint to barclays, the OFT, 1st crudit, your cat your dog, anyone else you can think of!:D:D


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just looking over these Defaults looks to me like Barclaycard have got debt back, to be honest do not remember receiving defaults for either of these through post.Would they send them recorded,many thanks.Steve

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Hi all,who would i send CCA to,Shall i sent it to both,and also what shall i put in letter to all parties re this complaint.thanks.Steve

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I would send the CCA request to the last company you had communications with.

 

 

Regards

 

David

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Hi all,who would i send CCA to,Shall i sent it to both,and also what shall i put in letter to all parties re this complaint.thanks.Steve

 

That depends on how old the debt is?

Is it before 2006? How did you apply for the card, internet, form in magazine, in person, over the phone?

 

And looking at both the entries on your CRA file, it does look like it has gone back to sharklay card, have you not received any notification from them that they are pursuing it?

 

If you have not received any notification about the debt, and who is now responsible for collecting it, I would let sleeping dogs lie, unless your credit file is of any importance to you?;)

  • Haha 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi the card is from 2004,and was applied for via the internet,thanks.

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Have already sent CCa letter to 1st crudit,so will wait and see what happens,they will probably say debt gone back to barclaycard,if so should they remove their details from CRA,and have not heard from either party in a while,thanks.Steve

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Have already sent CCa letter to 1st crudit,so will wait and see what happens,they will probably say debt gone back to barclaycard,if so should they remove their details from CRA,and have not heard from either party in a while,thanks.Steve

 

Yes, if the debt has been returned to sharklay card, which looks like it, then they have to remove the marker on your credit file, you simply cannot have more than one marker for the same debt.

 

Take a look through this link I got from the National Debtline

;)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi all, just received this email from ,Experian, well we all know whos side there are on, and shouldn't they ask why Barclaycard are updating credit file and 1st credit are not.

I guess another phone call to these idiots (experian )

Experian 1st credit reply.doc

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Also in 2 days will send account in dispute letter to 1st credit anyway, as they have not come up with CCA !!!!!!!!!!

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1st Credits responce to Account in Dispute letter, they seem BOTHERED

Dispute letter sent to them 31 July 2009, waiting to see if any of the disputed accounts update Experian this month !

reply 1st credit.pdf

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I am guessing you already sent the 'account in dispute' letter?

 

As for the CRA, they are pretty much in the pockets of DCA's, I will never understand how they can apply a marker against a person when they only have half of the story?

 

Still, make a complaint to the CRA, as quite simply there has always been two sides to a story, and as they don't have your nor even had the decency to ask for it, wring their complaints procedure dry!:D

 

Boo;)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I reported this to Experian on 13 July 2009, am i right in saying that they have 28 days to complete the request, and if not i should report to the ICO, regarding this.

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Have reprted this to the Information Comissioners Office, this morning as Experian have not Complied within the 28 day time scale,

oh well i guess 1st Credit will be investigated now over this, wonder what they will have to say.

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LFB, I had a similar problem with 1st Credit and CitiFinancial.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/211254-1st-credit-issuing-default.html

 

1st Credit said they would 'ask' Citi to remove their default. I also emailed Experian and asked them to do something about it.

 

The Citi default has now been removed from my file. Experian never replied to my email - nearly 2 weeks ago - so I don't know whether it was them or 1st Credit who prompted Citi into that action.

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That unusual with Experian, you normally get an automated email !

You could get back intouch with Experian and ask them who removed default.

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Just an update regarding these entries on Experian, checked Experian today and the Barclaycard entry has now gone!

Only 1st Credits entry is now showing.

Well if it is down to the ICO getting involved, that was bloody quick !!!!!:)

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That unusual with Experian, you normally get an automated email !

You could get back intouch with Experian and ask them who removed default.

 

Experian have just emailed to say that they've checked the credit file and the Citi default has already been removed - which is correct, obviously.

 

It must have been 1st Credit then who contacted Citi. :eek:

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Perhaps 1st credit are trying to play by the book for now, as i have read lots on here to say they are being investigated !

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Just an update regarding these entries on Experian, checked Experian today and the Barclaycard entry has now gone!

Only 1st Credits entry is now showing.

Well if it is down to the ICO getting involved, that was bloody quick !!!!!:)

 

A good result at last!:D


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi,Bazooka, its really strange, i also complained about my wifes on the 8th ,and it went through my email,and they have taken my wifes off as well.

I only complained to Experian regarding my wifes, and the email automatically went through my email account and today her halifax account is now gone,strange hey

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