2 defaults on same account.

FOURCANDLES_2

My friend obtained his credit file his one account which was to a credit card shows a Default in june 2005 and on his file it shows the default to fall off in june of this year , the debt is owned by lowell which I have noticed put a default on the payment history in oct 2010 4 months after they seem to have purchased the debt although no payments have been made since 2005, can an account have 2 defaults and will this stop it falling off in june??

Culex

FOURCANDLES wrote: »

My friend obtained his credit file his one account which was to a credit card shows a Default in june 2005 and on his file it shows the default to fall off in june of this year , the debt is owned by lowell which I have noticed put a default on the payment history in oct 2010 4 months after they seem to have purchased the debt although no payments have been made since 2005, can an account have 2 defaults and will this stop it falling off in june??

It certainly shouldn't, but when was the last payment made?

I'd not be at all astounded were it to emerge that a payment of £1 had allegedly been made between June and October 2010.

FOURCANDLES_2

Culex wrote: »

It certainly shouldn't, but when was the last payment made?

I'd not be at all astounded were it to emerge that a payment of £1 had allegedly been made between June and October 2010.

100% LAST PAYMENT was made in 2005, are you saying once june comes where it falls off it will then come back on? because of the other D

FOURCANDLES_2

I have noticed on experian it just has the details of a default until may 2011 when it should drop off and the account has no update since 2008, on callcredit it shows on the calender part default in 2005 , then again in 2010 but the file from callcredit shows it to come off in 2011 with the last update being march 2011

FOURCANDLES_2

Any further advise

FOURCANDLES_2

Just read the file again it says it was defaulted in june 2005 and its shows reported until june 2011 but on 2nd glance it has got a default issued again for 2008 as well as the one issued for 2010 , it becomes statue barred from may 2011 is it best to see if it fall off in june before doing anything ie statue barred letter etc

FOURCANDLES_2

FORGET ALL WHAT I HAVE SAID GUYS muppett moment, they have not issued 3 defaults I was looking at its up date status so it was showing it was still in defaut when updated over the year or it was marked as dormant .