Wrong company name on default old cat debt

[zetec]

Hi new to the forum just looking for advice

 

Having checked my experian report

 

i have a default from HOIST PORTFOLIO HOLDING 2 LIMITED in 2011.

 

I have never dealt with this company.

 

i have since settled this debt in february 2013 to a company called Buchanan clark and wells

 

who outline in the letter they are acting on behalf of JD williams.

 

So how did the above company manage to be the ones who defaulted me?

 

Also the payment history has just changed to one red circle with all previous history erased.

 

Any light on the situation would be helpful

 

Thank you

[dx100uk]

the original creditor would have defaulted the debt before sale

 

settling the debt with a DCA or their fake/tame solicitors

is a very bad idea

unless you dictate ALL negative data is removed.

 

unless you do so

 

the default is there for 6yrs regardless if its paid or not

then the whole account should vanish

 

hope you are not blindly paying debts to a DCA without sending them an CCA request first.

 

and this is never done over the phone either.

 

DCA's are after one thing...your money

and will pull any stunt to get it!!

 

I hope atleast your credit file shows that payoff?

 

dx

[zetec]

Yes sadly i blindly paid the debt in 2013.

 

My only problem is that the letters i have are headed with bc and wells who were instructed by jd williams to collect the debt with no mention of hoist.

 

So surely jdwilliams still owned the debt so should have defaulted me themselves.

 

Looks as if i have 3 years for this to drop off

 

Thanks for reply

[dx100uk]

the OC would have defaulted the debt before sale

 

who are BCW's client?

 

dx

[zetec]

On the letter it says my debt to jd williams. There is no mention of any other party so i can only asume they are representing jd williams directly

 

Thanks

[dx100uk]

have a default from HOIST PORTFOLIO HOLDING 2 LIMITED in 2011.

so wheres this info come from then if the oc still owns it?

 

dx

[zetec]

Thats what im wondering hoist was on my cra file as a default

 

upon working out dates and cost of default it is actually the jd william catalouge default that i cleared with bcw.

 

so why has hoist defaulted me when bcw were working (according to there letter) on behalf of jd williams?!

 

thanks

[dx100uk]

so this debt was shown twice on your credit file?

 

dx

[zetec]

No its one debt (Default)

 

showing as HOIST PORTFOLIO HOLDING 2 LIMITED.

 

I have only recently decided to check my credit reports and this is the only default for the exact amount that shows on a letter that i got from bcw in 2012.

 

on the letter it says my name v jd williams and that they are collecting a debt for jd williams no mention of hoist anywhere.

 

thanks

[dx100uk]

aha BCW conned you into paying in 2012

never fwded the money to JDW?

does it show anywhere you've paid?

 

so, JDW then sold the debt on to robbersway [hoist]

their name then get substituted.

 

dx

[zetec]

It says current balance settled. Guess i should learn my lesson then lol

 

Thanks

[dx100uk]

settled but does it say £0

 

in the previous years

does it show a balance

and in 2012 show you payment

 

noddle will give you payment & balance history

 

dx

[zetec]

Its has two red 8s one with £222 and the other with £0 when i hover over the £0 ball it says updated 12/01/14

 

 

Thanks

[dx100uk]

so that might have been the sale date to hoist

when this happen, the account is set to £0

 

so as it appears BCW pocketed the money

 

i'd get an sar off to JDW get all the statements

 

dx

[zetec]

Ok thanks for your help ill keep you posted on outcome.