I am thinking of applying for a mortgage this year, so thought it would be good practice to check the old credit file.
I found that a default had been lodged on my Call Credit file for £5,650.00 by "Barclays Partner Finance"
( default date has been set at 11/05/2011 ) when I am sure they have changed the date of default forward, as I defaulted on that loan way back in 2008.
But on top of that, they forwarded that same debt onto a Debt Collecting agency called "CapQuest Investments Ltd"
who have set their own default for the debt - Date 31/12/2009 amount £5,961.00.
I am not sure if this debt has been sold on to CapQuest,
or if they are just acting for Barclays Partner Finance,
but in any case, is it legal to lodge 2 defaults for one debt?
The default lodged by CapQuest, is on all 3 credit reference agencys,
but the default lodged by Barclays Partner Finance, h
as only been put on Call Credit,
either way, my chances of getting a mortgage with even one default is remote I think?
I just need to know what the best way forward is going to be for me?
I have read somewhere on the forum, that people have managed to negotiate with the Debt Collection Agencys to remove the default by paying off the debt in a lump sum,
and if this is possible, then would I be right in saying that, Both companies would have to remove the default, if the original company holding the debt agrees to remove their default?
Many thanks, in anticipation!