Back dating a default

glentoran99

rizla_king wrote: »

If Marlin have bought it they are the creditor and can make the changes. The original creditor cant change anything as they are no longer the data controller.

Yes if they apply a default they can change it, but the OP was thinking the CRA could change it.

however if the OC should have registered a default they still can

rizla_king

They were talking about the debt collection agency = Marlin

Not the CRA.

If the account is now in Marlins name on the credit report only they can make changes. Not even original creditor can once its not in their name anymore.

glentoran99

NICHOLAS wrote: »

I would be scared to contact them incase i accidentally started the 6 year time period for acknowledging the debt, although i am not sure how that works exactly.

I would think that the original approach should have been, 'who are you and what are you doing, i don't acknowledge any of this' to be on the safe side

If it was me i would speak with a legal body to say you do not acknowledge this and want it removed and then maybe see if you can get any compensation for this being on your file and having a negative impact.

but did they not say they have been paying them?

rizla_king

On a DMP....

glentoran99

rizla_king wrote: »

They were talking about the debt collection agency = Marlin

Not the CRA.

If the account is now in Marlins name on the credit report only they can make changes. Not even original creditor can once its not in their name anymore.

One of mine told me they cant make changes it has to be original creditor when i asked them to backdate a default? are they telling porkies?

rizla_king

glentoran99 wrote: »

One of mine told me they cant make changes it has to be original creditor when i asked them to backdate a default? are they telling porkies?

Yes. That is a lie. Lowells and a few other scumbag DCAs try that one on all the time.

glentoran99

rizla_king wrote: »

Yes. That is a lie. Lowells and a few other scumbag DCAs try that one on all the time.

Was Aktiv Capital, might just approach that one again

rizla_king

Aktiv are a very big supplier of pork products.

rizla_king

Tell them if they refuse youll take them to the FOS and report them to ICO.

Tixy

glentoran99 wrote: »

One of mine told me they cant make changes it has to be original creditor when i asked them to backdate a default? are they telling porkies?

Depends which company is reporting data to the credit reference agency.
If the entry on your credit file is in the name of the debt collectors then only they can update it.

If its in the name of the original creditor then it is the original creditor who is still liable for ensuring the data is accurate. But the debt collector would inform them of payments you make so they can update your file accordingly.

In the latter scenario the original creditor would need to agree with the backdated default.