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PRA DCA defaults where card was settled with MBNA

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Hi all,


Bit of background

... I fell into a bit of money trouble back in 2011/12 and fell behind with a multitude of things, which manifested in 7 defaults being placed on my credit file (I know, right?).


I'm glad to say that all is reformed,

I'm in stable employment,

my finances are doing great (aside from not being able to get reasonable credit, of course) and the defaults have started to drop off (3 down, 4 to go).


Once I had gotten myself back into full time employment, I settled all of my debts outright.

One in particular was a credit card with MBNA/Virgin. I settled this directly with them.


On review of my credit file,

I noticed that MBNA and PRA Group were reporting two entries for this same debt.

I wrote to the CRAs and they removed the MBNA entry,

leaving PRA, which is showing as settled.


My question is,

if I settled the debt with MBNA directly and they registered the default,

do PRA still have the right to process my data and keep this default on my file?



Surely if any default should have remained,

it should be MBNA,

since they are the only company I dealt with and the creditor with whom I settled the balance?


Thanks for your help!

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there was no harm in the 2 defaults as a debt can only be defaulted ONCE

however that's gone now



the debt buyer would have inherited the default MBNA placed

and had their name placed against it.



its correct

as you 'were' in default.



nothing you can do sadly

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


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.



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