Different default dates & amounts on 2 credit files

[claricestarling]

Hi all

 

having checked my credit file i saw 2 defaults on call credit from a payday loan company

then when i checked experian.... 2 defaults from the same company but for different amounts and with a much later default date.

 

now i asked for a copy of the original credit agreement, statement of accounts and original default notices in late june 2013, so far they have only sent me the default notices.

they were sent in april 2011 and march 2011.

 

ok so on my callcredit file they are showing as :

1.defaulted 27/8/2011 opening balance £258, default balance £159. shown as zero,satisfied and closed ( but still defaulted) and 2.then defaulted 27/7/11 opening balance £303, default balance £159 shown as zero now, satisfied and closed ( but still defaulted)

 

BUT on my experian file they are as follows: ( the start dates are the same in all cases so its defiantly for the same accounts)

1. defaulted 17/11/2012, amount £259

2. Defaulted 17/11/2012, amount £306

 

what the actual hell is going on? lol.

[BRIGADIER2JCS]

Hi, The entries need to be challenged by a Formal Complaint to the DATA CONTROLLER of each PDLC.

 

There is a distinct possibility that the debt with the 'satisfied ' tag has been sold to a debt purchaser.

 

Are you sure that the entries are still in the names of the lenders? Please name the lenders as it may be possible to deduce to which DCA the account has been sold.

[claricestarling]

Hi, The entries need to be challenged by a Formal Complaint to the DATA CONTROLLER of each PDLC.

 

There is a distinct possibility that the debt with the 'satisfied ' tag has been sold to a debt purchaser.

 

Are you sure that the entries are still in the names of the lenders? Please name the lenders as it may be possible to deduce to which DCA the account has been sold.

 

The entries are all 100% from the same lender

I've had a deed of assignment from one dca about one but that's all I've had

The original lender has told me the other is with Mackenzie hall but I've no deed of assignment for them or any communication

[BRIGADIER2JCS]

Hi what you will get is a 'Notice of Assignment' from either the lender and of the DCA.

 

Can you name the lenders and the DCAs concerned it will be easier to advise you.