Lloyds/Capquest/ Experian.

[JGJ]

Hello all,

I have just noticed on my Experian file that Lloyds Assigned an alleged debt to CAIS member Capquest, circa August 2013.

 

1)Lloyds have still got the original info on Experian.

2) Capquest have the same alleged info also on Experian.

3) They both have the same acc start date and the same default date.

 

My question is are they "both"allowed to have the same alleged debt displayed on Experian cra files?

 

As usual all advice/info will be gratefully received.

 

"EXEMPLO DUCEMUS"

[BRIGADIER2JCS]

Hi J, GJ.

 

 

There have been a number of changes to the way CRAs display the accounts, one being to show the conduct of an account by displaying both the original creditors (settled) entry and the debt purchaser/DCAs up dated information, the default date must of course remain the same.

 

 

Brig.

 

 

 

 

 

 

 

 

 

 

#

[JGJ]

BRIGADIER2JCS,

 

Message received and understood Sir.

 

"EXEMPLO DUCEMUS"

[BRIGADIER2JCS]

BRIGADIER2JCS,

 

Message received and understood Sir.

 

"EXEMPLO DUCEMUS"

Loads of queries about this " progressive" reporting of accounts on CRAs, the problem is the agencies have not publicised the changes.

[JGJ]

Hello all,

 

Re entry #2,

 

Original creditor CRA file showing as Satisfied, should this not now show as "Settled"

Debt purchasers updated entry showing correct amount and default date.

 

"EXEMPLO DUCEMUS"

[BRIGADIER2JCS]

Hello all,

 

Re entry #2,

 

Original creditor CRA file showing as Satisfied, should this not now show as "Settled"

Debt purchasers updated entry showing correct amount and default date.

 

"EXEMPLO DUCEMUS"

 

That's how it should be JGJ.

 

 

It seems now that defaults are to marked as satisfied when debts are sold rather than "settled" which applies to an account paid off by the debtor under normal circumstances.

 

 

Brig.

[JGJ]

BRIGADIER2JCS,

 

Thank you again Sir for your swift reply,it is greatly appreciated.

 

"EXEMPLO DUCEMUS"