sudden default appeared on credit file

[summer30]

Hi All

 

A new default has just appeared on my credit file for a loan from about 9 years ago, as far as we were aware this was a statute barred debt and it had already defaulted years ago. Is there anything we can do?

[citizenB]

You will need to contact the Credit Reference Agencies and ask why it has been put on your file and confirm that it is statute barred.

 

You would also need to contact (in writing) the company who has placed it and ask for it to be removed.

 

 

 

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[summer30]

ok great thank you

[citizenB]

[citizenB]

Are you being pursued by anyone for this debt ? If so, then you should send the Statute barred letter from the CAG library

 

 

HERE

[summer30]

Can a DCA who has purchased a debt, default it from the date of purchase even though it was defaulted by the original creditor some years ago?

 

Thanks in advance

[BRIGADIER2JCS]

NO they most certainly cannot, the default date Must remain the same however many times the debt is sold.

Which company has done this?

 

A notice of dispute should be placed on All CRA files and a Formal Complaint addresses to the DCAs Data Controller if they fail to rectify then a complaint to the ICO should be made.

 

If you need help post here and I will draft a letter for you if needed.

[summer30]

ok thank you

Edited December 3, 2013 by summer30

[summer30]

Can I also ask if it is a purchased debt, can I still make a CA request?

 

The amount seems to be twice that of the only debt I can think of from the original creditor, so I do want to make sure its actually mine before I go any further. thanks again.

[summer30]

any one please? thanks

[summer30]

Gone for a free credit report with noddle as wanting to rebuild my score

 

I have 2 debts listed, and a wrong address which ive raised issues for.

 

However one debt says date of default 2008 and yet then underneath on the yearly calendar it doesnt start the default until 2013

 

Can anyone shed any light? thanks

[dx100uk]

they are just markers

the default date is the important bit

 

once a defalut reaches its 6th birthday

the WHOLE ACCOUNT VANISHES

never to return

however that does not necessarily mean the debt does not poss need paying.

 

dx

[summer30]

ok thank you