Default question - pls help

[DBY]

I have two defaults on my credit report for the same debt.

First one from the OC, the second from the DCA. Question is if the debt has already been defaulted by the OC, can another default be registered by the DCA?

If the DCA was not entitled to do this can i get them to remove it?

[Deb T]

Yes you can have it removed, one default for one debt, I had the same problem and wrote to the credit reference ageny requesting a duplicate entry removed, they in turn wrote to both parties with one (the OC) stating that they would remove the default and the DCA remained on. The DCA have yet to prove they actually own the debt or it's been assigned to them and I've told the cra this and sent them correspondence from the dca stating that they don't have the correct paperwork but still it remains on but essentially there is just the one entry for the debt now

 

Getting a dca to remove a default is easier said than done, the cra's seem to shift the onus on to anyone other than themselves and a dca rarely removes one simply because they're not made to....it's pants really.

[cerberusalert]

All the DCA can do is update the default, make a complaint to the CRA as data controllers it is their responsibility to ensure the information is correct. If they play silly beggars make a complaint to the ico.

[DBY]

Yes you can have it removed, one default for one debt, I had the same problem and wrote to the credit reference ageny requesting a duplicate entry removed, they in turn wrote to both parties with one (the OC) stating that they would remove the default and the DCA remained on. The DCA have yet to prove they actually own the debt or it's been assigned to them and I've told the cra this and sent them correspondence from the dca stating that they don't have the correct paperwork but still it remains on but essentially there is just the one entry for the debt now

 

Getting a dca to remove a default is easier said than done, the cra's seem to shift the onus on to anyone other than themselves and a dca rarely removes one simply because they're not made to....it's pants really.

 

thanks guys, so if the oc remove theirs then the dca default will remain on my file for 6 years from the date they entered it? Or will the dca remove theirs? Im confused slightly!!

[cerberusalert]

They'll have to remove the later default, the remaining one will drop off six years after you first defaulted on the a/c.

[Deb T]

In my case the orignal default was by the OC, then duplicated at a later date by the dca but with still the same date as the OC's..

 

The OC stated they had no further interest in the matter and removed their default, the dca stated that they wanted it kept on and it stayed on and will stay on until the 6 yerars are up (I've pushed to have it removed but it's still on but as the 6 years are up in 8 months time then for the time being it can stay on.

[WelshMam2009]

In my case the orignal default was by the OC, then duplicated at a later date by the dca but with still the same date as the OC's..

 

Same with me...I haven't bothered about mine yet, to be honest, as I'm never going to get credit again and they will both expire at the same time!!

[DBY]

So the dca cannot enter a new default date, it must show the same date as the original default by the oc?