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Stivani

Can a DCA change the default date of a debt.

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Hi hoping for some advice please.

I had a Barclaycard that for various reasons i couldn't keep up the payments on.

 

They issued a default on this debt in early 2018, the debt was passed to Robinsonway and then disappeared off my credit report.

 

A few weeks ago it reappeared under the name of Hoist with a new default date much later than the original one.

 

Can they do this?

 

Thanks in advance for any help.

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no they can't

 

if Barclays issued you a default notice and sold the debt on and you have had a notice of assignment telling you about the sale to hoist, they cannot change the registered defaulted date.

 

fwd hoist a copy of the BC DN to hoist along with a letter giving them 14 days to correct their error or you will open a serious complaint with the ICO and be seeking financial compensation.


..

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Hi thanks for the information,

i have a few further questions i'm hoping you can help me with.

 

The default from Barclays disappeared from my credit report a few months after the default was issued.

I did get a letter to say Robinsonway would now be handling my account but i never received any correspondence to say it had been transferred to Hoist.

Should i have?

 

Also if i send a letter to Hoist to correct the error.

Am i in some way acknowledging the debt that could affect me down the line?

 

Thanks bye

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The default from Barclays disappeared from my credit report a few months after the default was issued. 

 

That was 2018...how long did not appear on your credit file  ?

 

Andy


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On 12/11/2019 at 11:26, Andyorch said:

 

That was 2018...how long did not appear on your credit file  ?

 

Andy

 

Not 100% sure but from memory it was over a year at least. If i had to guess i would say 15-16 months.

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So it had a break and you in effectively gained an extra clear 15-16 months on your CRAs and now reappeared Oct19...as long as it only appears for 6 years in total I wouldn't worry about it.

 

Andy 


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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