Barclaycard Credit file entry by PRA DCA

[hopey7]

Can a DCA make an entry into one’s credit file? I am suspecting that this is what has happened to me. 

[dx100uk]

ofcourse

they duplicate or 'take over' the OC's Entry under their name

but it means nothing in all reality

only the original creditor can issue a default note [ref'e by the defaulted date in the debt summary] and a DCA cannot change that

 

tell us more

 

name names and type of credit please

[hopey7]

Thanks dx100uk. 

 

I defaulted on a Barclaycard account.

I then agreed a temporary repayment plan with creditor which was collected by DD.

At the end of the short term period (6 months), they stopped taking payments.

I called them to review the plan but was told the account had been passed to a DCA who will contact me. 

 

Before this time I had been getting letters and calls from PRA group about old debts that were statute barred

I had been ignoring their letters and calls. 

None of their letters was about the Barclaycard debt. 

 

Last week I checked my credit file and was surprised to see that my credit card utilisation was 160% (it used to be btw 60-80%).

On further inspection, I discovered that PRA had entered the Barclaycard debt on my file with PRA group as the lender.

The same debt is on my credit file with Barclaycard as the lender showing as Settled. 

 

I never received a letter to notify me that the debt had been assigned to PRA. 

[dx100uk]

the OC's credit file entry will show £0 as they have written the debt off on their books against tax etc etc and sold it on to PRA.

as long as the defaulted date is the same on both entries its not harming you more

 

dx

 

[hopey7]

Thanks dx100uk. 

[dx100uk]

if they or any DCA get pushy,,sent them a CCa request

[hopey7]

What are we trying to achieve by sending a CCA request please?

[dx100uk]

what does it say?

 

 

[hopey7]

I will go read it up..

[firstship]

Did Barclaycard actually send you a Default Letter?? They are notorious for not actually issuing a Default Date Letter?????? They start by accepting a payment plan from you,then sell the debt on to Link or PRA,who both register the debt under their name on credit files

FS

[dx100uk]

or one of the mercers specials that we know were all invalid now

[hopey7]

I did receive default notice.