We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Sorry! Another quick question
deniseb90
Posts: 52 Forumite
Just looking at my defaults on my credit report. Can you get two defaults for the same debt? Barclaycard defaulted me, sold debt to PRA and I have a default against them too? Obviously the same debt?
Is this legal?
Many thanks (again!).
D
Is this legal?
Many thanks (again!).
D
0
Comments
-
There should only be one default per account. An existing one can be superseded by the new owner, but it must show as the same date.0
-
Barclaycard entry should show as a zero balance, and original default date.
PRA entry should show balance outstanding and original default date.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thanks - Barclaycard defaulted on 04/11/2016 - PRA defaulted on 21/12/2016 - same account.
So do I just leave it or ask one of them to take default off, and who do I ask if so?
Arrghh why can't I just win the lottery and they can all go away lol! Dx0 -
Dont leave it.
It'll take longer to come off your file.
Contact PRA to get it resolved0 -
Thanks kwame41 - So I'll ask PRA to backdate it a month?0
-
You want PRA to show the correct default date 04/11/2016...I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
0 -
Tell them to correct the record to reflect the actual default date.0
-
Thanks all ! I'll write to them now. D0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.8K Mortgages, Homes & Bills
- 177.5K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards