Debt showing twice on Credit report?

[Mezzle]

I've had bad debt, which I'm now managing. 

Looking at my credit file, I see examples where a debt has been sold.

For example, a Lloyds Loan might show as

Account with Lloyds Bank
Status: Settled/Defaulted
Balance: 0

and an entry from who they sold it to

PRA Group
Status: Defaulted
Balance: £3045

 

This would be considered as 2 defaults, rather than 1 default that's been sold, wouldn't it? (The default dates are the same),

I have 9 different defaults on my file listed in this manner. (defaulted, 0 balance, but I know I've not paid off that original debt yet, and am paying a DCA)

I'm just making sure I've identified these correctly before I go down the route of chasing the OCs to get them removed.

 

 

(I'm also thinking that removing 9 defaults from my file will make it look "nicer" (but still bloody awful!)

 

 

Edited September 1, 2023 by Mezzle

[Andyorch]

4 minutes ago, Mezzle said:

This would be considered as 2 defaults, rather than 1 default that's been sold, wouldn't it?

No, same agreement number ,regarded as the same debt.

 

Andy

[Mezzle]

The details I can see show them with different "account ending" - does this mean they're potentially showing as 2 debts?  Or is there somewhere where I can see in a report that the debts are considered the same default?

[Andyorch]

The credit reference agencies are aware its an assigned debt it is regarded as the same debt its not being regraded as two different debts.

The balance is nil by the Original creditor the new owner is now showing the default balance.