Advice request for dealing with old debt and credit scores

[Deleted User]

I guess the debt collection agency has reapplied the default from the date they purchased the debt

GM1880

If so, that's highly dubious at best. I'm no expert, but the default date's pre-set is it not. They can only restart the clock so to speak if there's a CCJ granted I think?

[Deleted User]

If the default was 2009, challenge the 2015 entry and have it removed.

You can also dispute it via the CRAs.

slammingvictim

!!! wrote: »

I guess the debt collection agency has reapplied the default from the date they purchased the debt

Yes that appears to be the situation

slammingvictim

Deleted_User wrote: »

If the default was 2009, challenge the 2015 entry and have it removed.

You can also dispute it via the CRAs.

It is a strange one, we have had no communication from MBNA in respect of the 'debt' then they sold it on to the collection market, Activ picked it up first time around, we heard nothing from them, PRA Group purchased the 'debt' and renamed it as PRA credit card with a new default date from 2009 to 2015, so the question is, when MBNA defaulted the debt and cancelled the credit card in 2009 did they then leave the account open until 2015 before releasing it to the debt collection market in 2015, at no time have I received any communication to settle the outstanding balance in the last six or seven years

[Deleted User]

It doesn't matter who had owned the debt or what MBNA did with it. Debts are sold, bought back, farmed out to DCAs, brought back in house, sold on again as so on.

If it was defaulted in 2009, then no other default can be added.

slammingvictim

Deleted_User wrote: »

It doesn't matter who had owned the debt or what MBNA did with it. Debts are sold, bought back, farmed out to DCAs, brought back in house, sold on again as so on.

If it was defaulted in 2009, then no other default can be added.

Perhaps the best way forward would be to respond with a question as to how they come to the point where MBNA have defaulted at April 2009 and they have a revised default date of Feb 2015 worst case scenario is I pay It anyway