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Same default, two companies


glennjreeve
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Hi, this is my first post.

 

I have a default 26/02/09 on my CRA file from Barclaycard which was all correct, the debt was sold onto Cabot Financial so Barclaycard marked it as settled on the same date 26/02/09. Cabot then put an entry on my credit file with the default on the same date but as they are collecting the Debt it is obviously not settled. The default looks like 2 separate defaults on my account (I know they are not but a potencial lender may) Is there anything I can do about this, or is this just the way it is.

 

Any help would be greatly appreciated

 

Glenn

 

I sent an SAR to Cabot and neither them or Barclaycard could provide a signed contract, although i am not disputing i had it, they just sent a blank generic copy.

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Hi and welcome to CAG

 

If you repost your query here

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?205-Credit-Reference-Agencies

 

more assistance will come a-winging

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As of the sale of the account Barclaycard now have no right to report the status of any past history on this debt, Cabot become responsible for the sole entry on your credit file.

 

If it were me i'd write to Barclaycard demanding they withdraw their entry as Cabot are cleary the data controller and the only entity allowed to report the credit history from the date of sale onwards.

 

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This kind of problem is caused by sloppy

compliance in the companies concerned

the debt purchaser should update the

existing entry not place a new one.

The debt to BC is settled by the purchase

of the debt by Cabot.

Also there is no obligation for the supply

of a CCA with a SAR as it is covered by CCA 1974

and a seperate request is needed.

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Thanks Silverfos1961, will do that now. Brigadier2jcs, I did not know about CCA/SAR I stupidly assumed that they would have to supply all info with an SAR, so will now have to change my tactics. The_shadow, Barclaycards last update on the file was 26/02/09 the same date as the default and also the obvious 'settled' from Cabot but nothing since so do i still have any rights to get them to take it off,

 

Thanks

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Thanks Silverfos1961, will do that now. Brigadier2jcs, I did not know about CCA/SAR I stupidly assumed that they would have to supply all info with an SAR, so will now have to change my tactics. The_shadow, Barclaycards last update on the file was 26/02/09 the same date as the default and also the obvious 'settled' from Cabot but nothing since so do i still have any rights to get them to take it off,

 

Thanks

 

You can request the removal of the original entry

a suggested.

Those who might view your file will recognise

this as one and the same entry.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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