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Hi, sorry not the usual place on the forum I visit, but a query on behalf of the OH.

 

Credit Reference Agency is showing 2 x defaults for the same "debt". In this case, it appears to be a Barclaycard, which defaulted on 18 June 2012 for £531.

Barclaycard subsequently marked this default as "satisfied" and that the account status was "closed" on 28 June 2013, despite no payments etc ever being made. The credit report has the remark "Debt assignment. The payment status has been reported as in default" for their entry.

 

[ATTACH=CONFIG]50323[/ATTACH]

 

It appears the account was sold on to a company called MKDP LLP who created a new entry in the credit report, marked as a default, with the same default date of 18 July 2012.

 

[ATTACH=CONFIG]50322[/ATTACH]

 

Is this normal/permitted?

 

 

 

Thanks!

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Yes it is ok.

 

The original creditor's entry is marked as "satisfied" following the sale to a new owner.

 

The new owner has updated the file to show that they are now the owner.

 

The original default date must remain the same.


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