Same account, two different default dates!!

MrSilk

Hey guys!

Just a question! I have a default for £1,613 (All paid and settled) from Lloyds which was passed onto Mackenzie Hall.

The default date for Lloyds was 04/06/2008 and the default date for Cabot Financial (Uk) LTD was 15/04/2009. Is this correct? - can the collection company had a different default date?. Please note, no payment arrangement was set up until 2012, when I cleared the balance over 16 months. and is marked as Satisfied and not Settled, would that make any difference?

Also, I paid Mackenzie Hall, but the default was registered by Cabot Financial (Uk) LTD

Be grateful for some help, thank you!

Tixy

No it is not correct.

The default date should remain as the original default date. You would need to write to cabot to say that the default date on your credit file is not the same as the date lloyds used and that as they are obliged to use the original date you require them to correct it to 04/06/2008.

Then it will fall off your credit file in June this year.

MrSilk

I had a inkling this wouldn't be correct!. Could I ask all CRAs to contact them on my behalf?

sirwiggum

MrSilk wrote: »

I had a inkling this wouldn't be correct!. Could I ask all CRAs to contact them on my behalf?

Noddle have a 'dispute' button beside each account, you could try that.

Or raise a complaint with Cabot.

MrSilk

sirwiggum wrote: »

Noddle have a 'dispute' button beside each account, you could try that.

Or raise a complaint with Cabot.

Thanks!. Yes, have just sent Noddle a request to look into this, hopefully they will see both accounts have different default dates... Hopefully

happy_bunny_2

You also checked Equifax and Experian?

You will likely need to complain to the company you paid, as CRAs are not great at getting these changed...

Experian_company_representative

Please [URL="mailto:uksocialsupport@experian.com"]send us details[/URL] so we can investigate for you.

Thanks
James

MrSilk

Just received this email back:

Dear Mr Silk
Thank you for your email, you have advised us that the default date is incorrect.
We have investigated your query further and can confirm that records show this account defaulted on 4 June 2008. We are in the process of updating your credit file to reflect this date.
We apologise sincerely for any inconvenience caused. If you have any further questions please do not hesitate to contact us.
Yours sincerely
Cabot Financial

:T :T :T