Same debt being listed twice

SPELLKASTER

I have a debt on my credit file which I am confused with.

The debt was originally with Shop Direct Finance. It says account was opened in 12/01/1999 account end date 23/04/2016.

They then sold it onto another company called TTI SPC (or TDX Group Limited).

TDX Group placed a default on my account with a date of 01/06/2012.

I wrote to TDX Group Limited asking for evidence of the debt.

All they provided was a very basic statement of account, and stated that there was no signed valid credit agreement.

TDX have refused point blank to remove the default from my credit file.

I checked my credit file yesterday and Shop Direct Finance have listed the same debt as being settled.

The account number is the same on both credit file entries.

So how can one firm says its settled and the other saying there is an outstanding balance of £272.

So I am confused.

Any advice please?

Gaz83

TDX will have bought the debt. So from Shop Direct's point of view they will have marked the account settled. You now owe the money to TDX, so they will be looking for payment.

SPELLKASTER

Gaz83 wrote: »

TDX will have bought the debt. So from Shop Direct's point of view they will have marked the account settled. You now owe the money to TDX, so they will be looking for payment.

From what I understand TDX Group have said in writing that there is no signed valid credit agreement.

[Deleted User]

Doesn't stop the money being owed.

SPELLKASTER

Deleted_User wrote: »

Doesn't stop the money being owed.

It does under FCA guidelines they cannot enforce the debt without a signed valid agreement.

[Deleted User]

They can't enforce it. It's still owed and doesn't disappear.