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bank showing payments late/dca put default

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hi there.

 

i am writing to ask if anyone can help with this question. my old bank (halifax) are showing 3 payments late untill April 2010 but underneath 1st credit ltd have defaulted the account in the feb 2010.

 

Is this possible or should i be chasing this up as it should not be put on my credit file.

 

Many thanks for any help

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hi alan

 

welcome aboard.

 

your comments dont quite make sense

 

as you saying that the same debt is listed twice on your cra file?

 

once as halifax as the owner

 

and again as 1st crapit?

 

dx


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Many thanks for the reply.

 

Yes the owner is halifax and on my credit file it is marked down as 3 late payments every month untill April 2010 then the next entryon my credit file is from 1st credit for the same debt but they have placed a default on the February 2010.

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Does the original Halifax entry show as settled? My guess is that the account was defaulted by Halifax originally, they are it seems notoriously slow at up dating CRA files, you can ask the Data Controller at Halifax to remove their entry, but it seems here that a Feb default date is in your favour by a couple of months.


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its not showing up as a default or settled, just the usual box's with 3 payments late up until april then it shows the not updated U in the boxes, then it has the amount in the default/ delinquent box.

 

but then as i said the next entry down is from first credit with just the red D showing in Feb and a default

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any chance you can scan the report up

 

and get another one from a diff CRA.

 

somethings not right here

 

you cant have two owner on the same account.

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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doh!

 

follow the guide

 

you left all you pers info on it!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Post unapproved DX


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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next time please PDF

 

now

thats the same debt listed twice.

 

what does noddle cra say

 

get two diff ones

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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sorry again.

 

noodle stated default in may but it does not show the halifax account on it

 

Alan

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halifax or 1st its the same debt the info should be the same on both

 

i'd write to that cra and ask why its showing twice

 

what is the earliest default date.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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The earliest is from 1st showing on the feb. I will contact Halifax and see what they have to say about it

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i'd sar Halifax

 

you need to contact the cra that shows the debt twice

 

and demad one is removed

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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brilliant, many thanks indeed. i will also do the sar to halifax.

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