2 defaults, same debt? Or are they clever? Or Am I wrong?

AngryDog

I have a default registered against me for my NRAM Loan. It was then passed to a DCA.

I reclaimed PPI and then NRAM took back the loan and marked the original default as satisfied £0 balance.

They have started up a new account for the remainder of the balance to which I will also be defaulted on if I cannot maintain the agreed full payments (which I cant).

Am I going to be defaulted on the same debt twice? Or are they clever by starting it under a new account number? Or am I wrong? lol.

Thanks.

AngryDog

94 views and no replies, someone must know?

Please? Thanks!

JustinCredibleGillespie

Hey AngryDog! Sorry I dont have anything to add. Just wondering how your getting on?

JCG

happy_bunny_2

Doesn't sound fair to me to have a new account for the same debt just because you reclaimed PPI, but I'm no expert.

Best complain in writing, send signed for, then at least when they send you a final response (or 8 weeks if they don't bother) you can refer to the FOS for their opinion.

HTH

AngryDog

Hi Justin,

Well, I'm a single man at the moment. We're reconcilling for now and she has promised to change, so we'll see how it goes. Regarding my sanity, well thats long gone LOL.
Hows tricks with you?

Thanks HB, I'll see how I get on!

Tixy

You cannot have 2 defaults for the same debt. Its definitely against ICO guidelines.

I would inform (in writing) that despite the fact that they have changed your account number (if they have) this is the same credit agreement and as such they must not record it as a seperate account on your credit file and they cannot record another default for this debt as there is already one dated xdate.

Thats all assuming they haven't got you to sign a new credit agreement since you had the PPI back.

AngryDog

Hi Tixy,

All I signed was the PPI re-claim form, no credit agreements were included in that.

Will that be the case even though the original default is satisfied completely?

Thanks

JustinCredibleGillespie

AngryDog wrote: »

Hi Justin,

Well, I'm a single man at the moment. We're reconcilling for now and she has promised to change, so we'll see how it goes. Regarding my sanity, well thats long gone LOL.
Hows tricks with you?

Thanks HB, I'll see how I get on!

All is good my friend. I'm glad things are finally getting sorted for you and I really hope she changes her ways. It's nearly time to enter a new year, so make 2012 a gooden

JCG

AngryDog

JustinCredibleGillespie wrote: »

All is good my friend. I'm glad things are finally getting sorted for you and I really hope she changes her ways. It's nearly time to enter a new year, so make 2012 a gooden

JCG

Glad to hear it I guess the only way is up for both of us!
Well we've decided to see how we until after xmas. If things are no better then we'll walk away for good.
Indeed it is, I am sure you will also make 2012 a good one!

JustinCredibleGillespie

All the best AD :D:D

JCG

AngryDog

Cheers JCG you too!