2 Defaults on credit file, was QQ then gothia now MMF

[mjcuthy]

Hi All,

 

I wonder if you could please provide me with some help.

 

I have been going through my credit file to make sure that everything is up to date

and I started this approximately 3 month's ago.

 

There was one on there in the following details:-

 

Lender: Gothia Limited

Amount: £774

Default Date: 29/09/2010

Status: Satisfied

 

I emailed Gothia a couple of weeks ago to ask if they can remove the default as a gesture of good will.

 

I have had lots of debt issues that I believed I had fully repaid

and the fact that this was showing as settled left me with little concern.

 

However, they emailed me back and said that the amount was still unpaid

and they had therefore passed it on to another company, Motor Mile finance.

 

Now I don't doubt that this debt is not paid but it has been marked here as satisfied.

 

Today, I have had another entry appear on my credit report for the same debt as follows:-

 

Lender: Motormile Finance

Default Balance: £1274

Outstanding Balance: £774

Default Date: 22/10/2010

 

I am really confused with this.

 

I have spoken to Motormile and they have confirmed that £774 is outstanding

and that this is the same debt that has been passed from Gothia Limited (BCW Group).

 

Are they allowed to report a seperate entry onto my credit file as I now have 2 entries for the same thing.

 

I have also spoken to them regarding the date of the account

and they have told me that this is the correct date,

even though the OC have said that the default date was 23/09/2010.

 

I am really confused here as to what I can do,

I am happy to pay the outstanding balance of £774

but I need to get them to sort the issues with my credit file before I agree to make payment.

 

I have also asked QuickQuid to provide me with my origional T&C's

but they have said they cannot do this and have referred me to Gothia,

who in turn refer me to Motormile finance.

I just seem to be going round in circles with this at the moment!!

 

Any help you can give me would be greatly appreciated.

[dx100uk]

STAY OFF THAT PHONE!!

 

its quite usual when a debt is sold

for two sep entries to be shown

however, the default date should never change.

 

paying the debt will not remove the defaults

and wont improve you score either

so don't get spoofed into paying it yet to a debt buyer.

 

tell us about the org QQ debt.

 

was there any dispute

late or rollover or penalty charges?

 

ideally you should deal with the original creditor.

 

dx

[mjcuthy]

The origional debt was in 2010.

 

It was taken out on 22/08/2010 and defaulted on 23/09/2010.

That is what QQ have told me.

 

When I asked for any more information they told me that as it was sold on 23/09/2010

that they cannot deal with me anymore and that I should speak directly with the DCA, which is Gothia,

 

but they just tell me that they cannot speak to me and to deal with Motormile Finance.

 

Also, I don't believe that there were any late or rollover charges added as it was sold right

when the payment was missed.

[dx100uk]

ok I've moved you to the MMF forum

 

go red here what they are like.

 

they'll spoof you blind.

 

wont matter what you do

paying it wise

that wont improve your crefit file

that wont happen till the default reaches 6yrs

and then the whole debt will vanish

 

doesn't mean its not still owed mind.

 

just remember

 

a DCA is NOT A BAILIFF

 

they have

 

NO SUCH LEGAL POWERS.

 

dx

[mjcuthy]

Thankyou DX, any help that anybody can provide would be greatly appreciated.

[Nao]

If you genuinely owe the money pay it off (even against their will) at a rate you can easily afford and remember, bottomfeeder dca debt from PDLs is absolute rock bottom in the priority list.

And make sure its in a way they can't abuse to clean out your bank account.

 

Other than that, just ignore them.