Cahoot & Robinson Way

[IamIain]

Hi,

 

I wasn't sure where to post this so I apologise in advance if it is in the wrong section and thanks to anyone who may be able to help.

 

During a period of youthful naiveity I managed to run up some significant credit problems which, through bad advice (I have since found out), led to me entering a debt management process. I've worked pretty hard to get my debts paid off and to resurrect my ailing credit file.

 

However, one of those debts stemmed from a Cahoot credit card which was opened in 2004. In 2008 (some 2 years after I entered the debt management programme) the debt was transferred or sold on to Robinson Way who registered a default on my credit file, there is no record of the account on my credit file before that default. I am trying to find out if it is possible to be defaulted against the same money owed twice? I have written to Cahoot to find out if they ever registered a default against me, if they have can I challenge the default that Robinson Way placed on me and get it backdated to the date of the Cahoot default or am I stuck with the default until 2014?

 

The Robinson Way entry in my credit file states that the account was opened in 2004, there is no history before 2008 and starts with a red '8' and the default

 

Appreciate any opinions or help anyone may be able to give - this is the last thing on there that is hanging around since managing to get Capital One to backdate a seperate default.

 

Iain

[Lilythepink]

1st credit dca did the same to me, so I put a notice of correction on my credit file, which creditors see, that the account is in dispute...

They are not allowed to put a default on the same account, but they argued that it was the dca that put it on, after the debt was sold by Cahoot.

[IamIain]

Do notices of correction actually make any difference to mortgage lenders etc? I've been told they are pretty worthless.

 

If Cahoot reply and tell me that, for example, they raised a default in 2007 what is the best thing to do re: Robinson Way?

[Lilythepink]

Someone on here told me to report Robinson Way, or any other dca, to OFT, or somewhere like that.........someone will come along and help you.

[IamIain]

Ok thanks Lily.

 

Any other ideas?

[Lilythepink]

I let the default sit there as 1st credit had tried to bring me to court, and my credit rating was bad anyway. But I know they are not allowed to default twice on an account..... You have to write to them..... Someone here wil help you.