Credit report questions

gemstar_2

Hi there - Back for more advice!
Have obtained my credit report from experian and a little confused
It was as expected (not all that good) but one thing I wanted to query - some years ago I defaulted on a mobile phone (have notpaid this off, moved house etc, head in the sand) This shows as a defaukt ob my report from Vodafone, but recently a DCS called Wescott have also added a default on my file for the same account.
How can I have 2 defaults for the same account ? I have certainly had no dealings with Wescott so can't have defaulted on an agreement with them.
Pls can someone advise ?

HBFS

By the looks of things, Vodafone have 'sold' the debt to Wescott who have automatically defaulted you as a matter of course. They will now try to find you and get the debt serviced.

How long ago was this debt?

gemstar_2

Only a few years - totally willing to pay it off when they find me- but peeved that am saddled with 2 defaults- can one of them be removed /??

HBFS

gemstar wrote: »

Only a few years - totally willing to pay it off when they find me- but peeved that am saddled with 2 defaults- can one of them be removed /??

Unfortunately, as far as I understand (and I'm more than happy to be corrected on this), if you then clear the debt, it goes down as satisfied, however stays on your credit record for a set period of time. Thusly why the Vodafone one is still on there even tho' the debt is being serviced by Wescott

gemstar_2

So technically it shows as 2 defaults even though it's one and the same??? That sucks!

HBFS

gemstar wrote: »

So technically it shows as 2 defaults even though it's one and the same??? That sucks!

Unfortunately, sorry!

gemstar_2

I will still question the legality of it!! Yes, I defaulted on an agreement with Vodafone - but I have no agreement with Westcot, not even a letter fromt hem, so how on earth have I defaulted on agreement with them.
Surely in order to default, you have to have broken an agreement with them personally int he first place!

HBFS

gemstar wrote: »

I will still question the legality of it!! Yes, I defaulted on an agreement with Vodafone - but I have no agreement with Westcot, not even a letter fromt hem, so how on earth have I defaulted on agreement with them.
Surely in order to default, you have to have broken an agreement with them personally int he first place!

True enough, but it's like a pre-emptive strike. The moment you raise your head to get it, they'll go after you and it'll not make any difference

gemstar_2

Sorry!!! Another question...... How much difference does it make to your credit report or your credit worthiness if you have defaults but they are marked as settled / satisfied ? Does that actually help ?

gemstar_2

Shameless bump!
Does anyone know the answer to my last question ?

TAG

I think you'll find that you CANNOT be defaulted twice on the same debt. There are other threads on here to do with this kind of situation will see if i can find one for you.

This one might help you out a bit.

http://forums.moneysavingexpert.com/showthread.html?t=286298