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New account owners edited date of default. Is this legal?


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Hi guys

 

Looking for a bit of advice regarding a default.

 

I had a pdl with quickquid, they never issued a default. The account was 'sold' to mucky hall who on the date of purchase applied a default on my credit file. I have been challenging this since as I was never supplied a proper default notice. In the final response from m/hall they have supplied a default notice they claim was originally supplied by quickquid, which is dated 3 months prior to the 'notice' they had originally supplied and 3 months prior to the date on my credit file. They now claim that upon purchase of the account they updated the details of my default to reflect the date they had taken ownership.

 

I am now raising my complaint with the FOS and need to know if what the claim to have done is in anyway legal?

 

Thanks in advance

VICTORIES:-D

QuickQuid £1004 RBS £1500 Mastercard £300 Clydesdale bank £3450 Wonga £2000 Elephant.co.uk £200 Shop Direct Finance £570

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Erm, I think the original creditor has to enter the first default marker. Mucky Hall can only update it, they cannot alter the original default date for any reason.

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Sweet, thanks CB that's what I thought. The whole thing has been a shambals from the start contradicting lie after lie. I have it all documented though and will return my full complaint to FOS. I had previously raised it with FOS but they required a final response from m/hall first. Hopefully this time I will get somewhere

 

Thanks again

VICTORIES:-D

QuickQuid £1004 RBS £1500 Mastercard £300 Clydesdale bank £3450 Wonga £2000 Elephant.co.uk £200 Shop Direct Finance £570

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Typical tricks from mucky hall. Get a full complaint in to their date controller and inform their local trading standards office.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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