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Candida Cat Debt - 2 Defaults on Same account


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Hi,

 

I am trying to fix my credit file. I have noticed today that two different credit collection agencies Candida and Lowell have given me a default. Candida for £438.00 October 2007 and Lowell Portfolio £557 on April 2008.

 

Now I have not used my mail order company simply be in that time. My original credit was £200.00. Late payment fees and interest has been added. By looking at my report the credit company has added additional charges.

 

I thought my account could only be defaulted once? Can I get this removed?

 

Many thanks.

 

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yes it can only be defaulted once, you need to find out if the account was sold, who to and when. The legal owner of the debt is the only one allowed to register the default and it must be the ORIGINAL default date from the OC. The DCA can not register a different default date.

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