quick question please

[meg&mog]

Hi Guys

 

I need a question answering can the original company you have a debt with and the DCA dealing with it can they both default your credit file for the same debt?

 

Thanks guys

[babydoll0141917]

Once the Debt is sold on the OC with take theirs off and the New owner will put theirs on

 

If DCA is only acting on Behalf of the OC then there wont be 2 defaults ..not that I Know of anyways

[meg&mog]

Hi Babydoll

 

Thanks for reply at the minute they are both showing exactly the same information ill check when the credit file updates at the end of the month see if they remove it

 

Thanks again

 

Meg & Mog

[PGH7447]

only one default per account

[BRIGADIER2JCS]

Contact the Data Controller of the OC and request the removal ot their entry, put a notice of dispute on that entrywith the CRAs you will need to do this with all the agencies displaying 2 entries, only the DCAs entry should show.

[dx100uk]

Once the Debt is sold on the OC with take theirs off and the New owner will put theirs on

 

If DCA is only acting on Behalf of the OC then there wont be 2 defaults ..not that I Know of anyways

 

not quite.

 

the dca [buyer]

 

simply has their name substituted where the OC's was

 

they CANNOT enter a 'new' default

 

only have their name replace the OC's for the EXISTING one.

 

dx

[BRIGADIER2JCS]

There is a sly change creeping in here with the palcing of entries on CRA files after a sale or assignment more and more I see both the OCs and the assignees entries side by side imo this is wrong and I have written to the ICO for guidance on this today.

[meg&mog]

Thank you I will get onto that

[brokebutnotbeatn]

There is a sly change creeping in here with the palcing of entries on CRA files after a sale or assignment more and more I see both the OCs and the assignees entries side by side imo this is wrong and I have written to the ICO for guidance on this today.

Hi Briggs, await to hear more...