Have I got a leg to stand on with Halifax and DCA?

just.me_3

Afternoon MSE peeps

I had a defaulted overdraft with Halifax a few years ago, which was sold to a DCA. When the debt was sold on, the DCA then reared its ugly head on my credit file - so there are two records of the same debt.

Both now show as satisfied. What are my chances of one of these defaults being removed? Or am I stuck with them for the next 4 years until they drop off?

Both have exactly the same default date, so will disappear together, but I was thinking of approaching Halifax with the "I am trying desperately to repair my credit" approach with a letter to request for them to remove the default, as the DCA already show the record of the defaulted account and of course one default is better than two.

Please could someone confirm if there is any possibility of this going in my favour?

Thank you

MrSilk

The CRA should remove the original entry by Halifax, leaving only the DCA entry.

You'll be stuck with it for another 4 years until it drops off. Your begging letter won't work with them, as it's a true reflection of your past failed ability to pay your debts.

You should raise a dispute with the credit references, not Halifax.

fermi

Depends on how the original creditor's default record is marked?

If it is marked as "debt assigned" or similar, then it is OK to have both entries at the same time, as it indicates and is seen as just one default by company that checks.

If no such marker on the original, then as said Halifax must remove theirs.