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Should there be two defaults on my credit file for the same debt?


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When I became ill a few years ago I ended up defaulting on a number of debts and stupidly stuck my head in the sand.

 

Lowell ended up buying a few of my debts and

 

the first I knew of it was when I was handed a stat demand in respect of one of the debts on my doorstep.

I have entered into a payment plan on that and the SD was cancelled.

 

MY PROBLEM

 

One of the debts which was Barclaycard (not the above one) can not be enforced as there is no CCA and

the account was opened in 1999.

 

Lowell have admitted in writing that they do not hold the CCA,

 

Although Lowell purchased the debt there are two defaults in respect of it on my credit report

- one being Barclaycard and one being Lowell.

Surely having the same debt defaulted twice on my credit file is wrong?

 

There is however a note on my credit report next to the Barclaycard debt saying "Satisfied" in the balance column.

 

Furthermore, the amount reported is incorrect and Barclaycard admitted that the statements

don't tally to the balance they were collecting.

 

Having looked at this document from the ICO posted in another thread regarding defaults.

It states the Lender should have a credit agreement and the balance should be correct.

 

http://www.ico.org.uk/~/media/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.ashx

 

Is there anything I can do to have one or both of these defaults removed?

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Sometimes the file doesnt update right away and it shows 2 entries when its been sold instead of 1.

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..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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as long as the default dates are the same

there should be no real harm to you.

 

though ideally it should not show twice.

 

as for the SD debt...I hope you've checked they have a CCA?

 

ever looked at penalty charges rexlaiming

and the same for PPI

on your debts?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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same debt?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?388856-Lowell-amp-recon-Credit-Agreement-from-1999-not-signed-urgent-help-pls&p=4318351#post4318351

 

the ico guideance does not say they MUST have an enforceable agreement to mark your CRa file.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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