6 year rule / rules / tracking credit card debt for 6k was with MBNA

[Moradin]

One of my original credit card debts for 6k was with MBNA. they have passed this on to PRA group Ltd.

 

however, checking noddle.. the original account was defalted in jan 2013.

but now shows as a 'Satisfied Account'.

 

the PRA entry shows default as june 2014, so mbna have passed the account onto PRA.

then PRA have started sending in entries to noddle etc.

 

If companies like experian remove after 6 years automatically, won't this PRA entry be over a year later. ?

 

Another thing ive noticed..

is that on my credit report, i have Credit Cards shown, but there is one at the bottom, which has been purchased, was b/card CC.

but now shows as as a separate company..

and the TYPE as BANK. not Credit card.

should i be worried about this?

[dx100uk]

so mbna has sold the debt to PRA group.

are you saying that they have changed the defaulted date in the summary from that that the OC entered?

if so they cant do that

 

as for the Barclaycard, that's their problem if they try and enforce it.

 

have you sent all these firms a CCA request for card?

 

 

dx

[obiter dictum]

If the account was defaulted in 2013 it will not come off your credit files until 2019.

 

 

The reason PRA are now updating your files is they have been sold your account from MBNA

and now own any liabilities outstanding.

 

They cannot change the default date,

looks like they have done it from when they bought the account from MBNA.

Motormile Finance is another DCA known for doing this

Edited May 28, 2016 by obiter dictum

[Moradin]

are you saying that they have changed the defaulted date in the summary from that that the OC entered?

if so they cant do that

 

 

They have created another 'open' account in the noddle entries,

and the original agreements from both Barclaycard and Mbna are shown as

Settled (Barclaycard) and Mbna (Satisfied)

 

Then in the open accounts

the new companies who have puchased the debt, show an account,

with a much later DF (default) date than the original

One is PRA group the other is Lowells.

 

I guess my point is, that as companies like noddle their systems would only remove an 'open' account if the default Date is >6 years.

 

Also, the b/card company, doesn't show in Credit cards, it shows, in 'other' account.. where its shown as Type: BANK.

 

have you sent all these firms a CCA Request for card?

 

 

I sent them all one years ago. only ever got 1 reply, that i couldnt read

 

My SB dates are all late 2018

 

do i need to do anything about all of this with regard to Noddle. etc. ?

[dx100uk]

if the defaulted date by the original creditor is dated more than 6yrs ago

the debt should not be showing anywhere.

 

 

you need to write to each of the dca's

including written evidence of the OC's defaulted date

stating they have 14 days to correct their accounts defaulted date

or you will complain to the ICO and seek compensation.

 

 

I notice in previous threads by you

you've been told these things before

http://www.consumeractiongroup.co.uk/forum/showthread.php?461851-Advice-from-Ind.-Financial-Advisor.-correct

 

 

I hope you are not paying these people?

when did yo last pay them?

[Moradin]

dx100 - Yes, the information before was about the 6 years.. but this information is different, it relates to the entries in noddle.

 

the companies that have purchased the debt, have made fresh entries, in the noddle information.. so i was was concerned that, that information would not dissapear after the six years.

 

No, not paying anything.

 

As an aside. do you know if a restriction on a property should stop a remortgage ? - as there is no 'disposition' to be had?

[dx100uk]

the calendar entries dont matter

 

 

its the listed defaulted date.

DCA cannot change that..

 

 

if you solicitor is cute

a restriction can be 'ignored'