Defaults and Defaults!!

lkava5

I got a response from Check my file today.

"Thank you for your message.

I`m sorry to say that our previous advice was not right and the National Debtline is indeed correct. If you write to the credit agency concerned, and if they can see that this is the same debt, they will remove one of the entries, usually the earliest one. It seems pretty obvious to me that this is the same debt, but if the agency thinks there may be some doubt, it may ask the original lender to confirm matters and this may take 28 days, but it will at least be removed eventually.

No excuses, but the reporting of accounts referred to debt collectors is relatively new and is still evolving. For instance, if the debt collector came to an arrangement with you to pay the debt by installments and if you defaulted, then that would result in an additional default being recorded on your credit report.

If we can be of any further help please don`t hesitate to write in again"

So they admit they are wrong!!!!

GeorgeUK

For instance, if the debt collector came to an arrangement with you to pay the debt by installments and if you defaulted, then that would result in an additional default being recorded on your credit report.

Are they high?

One debt, one default. End of story.
If you were to sign a credit agreement with the DCA to repay the installments, this might be considered a new debt which may then have a default issued against it if you missed payments. Agreeing to repayments over the phone or by letter does not make this a legally binding agreement and so no default can be issued of you miss payments.

If we can be of any further help...

No comment.