2 reports on file for the same debt ?

Konamb212

hi all,

I fell behind with a personal loan from BlackHorse, and was in a reduced payment plan with them.
Anyway, in September of this year my did was diagnosed with a terminal illness, and as an only child, had to reduce my hours at work to care for him.
I wrote and told BH this, and they sent me a letter allowing me to pay £1 per month for 3 months, to be reviewed after 3 months. This was fin, and I paid the first of the £1.
I got a letter then saying that I had broken the agreement that was made and that I must now settle in full. a few weeks later I got a letter from DLC stating that they had taken over the debt from BH.

I explained the circumstances to DLC, and we entered into an payment plan, paying the same £55 that I was originally paying BH when in default, although DLC allowed me to wait 2 months due to circumstances at home.

Anyhow, on checking my credit file I see that BH have a a row of red "8" on my file with 1.12.13 as the last date on file, as well as DLC which as 4 red "8" beginning 28.11.13.


so after all that - can anyone tell me if this should be happening, as I have a default twice for essentially the same debt?

rizla_king

Does original blackhorse one say its been sold or assigned?

Konamb212

Just says Default date and default balance, nothing about assigned or sold

rizla_king

Blackhorse should have removed their one then. complain

happy_bunny_2

Send a complaint to DLC.

Konamb212

Just an update : Checking credit report in September with Experian, still showed the same - 2 defaults for the one loan.
spoke to one of the advisors at experian, who put a challenge (thats her words) to BH, the BH one has now been removed - result

rizla_king

As you say a result.