Portfolio Recovery Associates /QQ default on CRA file

[djcreed]

Hello,

 

Today I checked my credit report with noddle (it's free) and

 

I noticed I have one default account which has been registered with PRA.

 

Concerned I checked Experian and there is same information.

 

Both of them are relating to my old debt with QQ which has been taken over by Mackenzie Hall.

 

I settled this debt in 2011 and I've requested a confirmation letter from MH, which I still have a copy of.

 

I was working really hard over last 3 years to build my credit score once again.

 

Could you please help me what should I do and how should I deal with PRA.

 

Dates and ammount on the letter and credit report are exactly same.

 

Also I am 100% sure I've settled all my debts from the past.

 

Thank you

[dx100uk]

PRA is MH's parent company.

 

if you paid the debt off

it doesn't remove the default sadly

 

dx

[djcreed]

But balance is still showing as £296 that apparently I owe them. I found a letter on experian website, should I send it to them ?

 

To: Portfolio Recovery Associates

 

 

Re: Account number M2300XXXXX

 

 

 

 

Dear Portfolio Recovery Associates

 

I have viewed my Experian credit report and would like to let you know that my account started on 21/12/2010 should show the correct balance of £0

 

The account is recorded in the name of XXXXXXXXXXX at the address of XXXXXXXXXXXXXXXXXXXXXX

 

I am also including a copy of the letter that I received from Mackenzie Hall on 30/11/2011 with information that account has been settled.

 

Please can you investigate my comments and let me know the outcome.

 

Yours faithfully

Edited July 31, 2014 by djcreed

[dx100uk]

yep send PRA a copy of the MH letter proving you have settled the debt too.

 

what is the default date in the debt summary line

 

dx

[djcreed]

It's 26/04/2011 as per screenshot in attachment. Either MH did not update my account or after being taken over by PRA something went wrong and this is showing a balance now.

 

Thanks

[dx100uk]

or as we already know quite well

DCA's pocket the payments.

 

dx

[dx100uk]

how much did you pay off the default say £600 odd

 

dx

[BRIGADIER2JCS]

It's 26/04/2011 as per screenshot in attachment. Either MH did not update my account or after being taken over by PRA something went wrong and this is showing a balance now.

 

Thanks

 

 

To my knowledge there has a number of instances such a this all stemming from the time PRA acquired MH and began to amend CRA records with their data.

 

 

Follow dx100s advice, personally I would get " Notices of Dispute/Correction " placed on all the CRA entries.

 

 

You may get the balance changed but as dx said the default entry will remain for the balance of the 6 year period.

[djcreed]

Thank you very much for an advice. I have contacted today PRA and I was assured that this is an error in their system. As a confirmation I've send them an email with official letter requesting change of my account status on my CRA and with letter from MH that account has been settled. I was informed by PRA employee that if I will receive any phone calls from PRA I should simply ignore it. I was assured that my CRA should change in the next 2 weeks.

 

@dx I either paid off the full amount or agreed amount which was offered to me by MH. I can't recall it now and I will have to get a bank statements from my previous bank to get all the details.

 

Obviously I will inform about any outcome. If there is anything else I should do to make sure this has been resolved please let me know. If I will not receive any response via email I will send letter and a copy of account statement from MH via post.

 

@BRIGADIER - I am ok with default status of my account as long as balance will change. I have 2 defaults from 2011 and this should disapear from my CRA in 2017. If this will not get corrected I will struggle until 2020.

 

Regards

Edited July 31, 2014 by djcreed
new response

[renegadeimp]

. I was informed by PRA employee that if I will receive any phone callsicon from PRA I should simply ignore it.

 

Umm no. They should NOT be calling you at all. Never mind still calling you but saying to ignore it.

[BRIGADIER2JCS]

Umm no. They should NOT be calling you at all. Never mind still calling you but saying to ignore it.

Out sourced call centre probably automated.

[renegadeimp]

They still should cease the calls, automated or not. If they can't, then their systems are not fit for purpose.