LLoyds loan debt sold to Marlin

[lets_do_this]

Hi

 

my loan was sold by Lloyds Banking group to Aktiv Kapital which im fine with,

 

had the letters confirming the sale back in July last year.

 

My only confusion is around how they are both reporting the same debt on my credit report,

it has only been the last 3 months aktiv kapital have been reporting it.

 

My simple question is are they right to both be reporting the same debt?

 

thanks

[dx100uk]

as long as the defaulted date in the debt summary has not changed

then its not harming you.

 

how old is this loan

 

tell us the history please

 

dx

[lets_do_this]

Hi dx,

 

I have just checked my credit file and the default dates are the same and for the same amount so it all seems to be order actually. I just thought it would just be the 1 showing but i suppose they need to show the original debt for the history of the account.

 

Loan is from 2009, claimed back PPI and has a valid cca and i have a payment arrangment now with aktiv kapital(sounds a bit didgy) but they have been no bother at all

 

Thanks for yout time

[dx100uk]

ideally the old one should drop offafter a few months of the ac being bought

 

strange Lloyds sold it

 

not got PENALTY fees on it have you

 

and who decided the PPI reclaim was correct?

 

dx

[lets_do_this]

I really do not know if i have penalty fees and

 

with regards to PPI i wrote to them and they sent me a cheque for the amount and i accepted back about 2 years ago.

 

I did ask lloyds to consider a full and final

 

they declined and

 

shortly after sold the account

 

strange really because i bet i offered them more than they sold it for,

 

Where would i start with penalty charges?

 

thanks

[dx100uk]

you need to get all the statements

 

SAR them

 

dx