Default Account Sold to Debt Collector

xlnc99

Hi.

I know this has been asked before but i have forgotten how this works. I had a default with someone who then sold the account to a debt collector. If i wanted the default date amended or tried to get it removed who would i contact? The original lender or the new owner of the default. The default name has changed from the original lenders name to the new debt collector

Thanks

[Deleted User]

It depends.

Is the account passed onto a DCA to handle colection or have they actually sold the debt on fully?

xlnc99

It has been sold

xlnc99

So does a sold account mean the new person has all control of the account including the default or does it still lie with the original

Willing2Learn

As far as I am aware, if you want the default date amended, and if the default was served by the original creditor, then it is the original creditor that you need to request the change of date.

xlnc99

I see.

It was done originally by the original creditor and then once sold in 2016 it was changed to the debt collection as the company who put the default on for the same date in 2016.

So despite this i have to go to the original debtor even though they now have nothing to do with the debt anymore?

[Deleted User]

You'll need to go with both, with the same story/grounds as to why it needs changing (which is...?)

Willing2Learn

xlnc99 wrote: »

It was done originally by the original creditor and then once sold in 2016 it was changed to the debt collection as the company who put the default on for the same date in 2016.

So despite this i have to go to the original debtor even though they now have nothing to do with the debt anymore?

It is because the original creditor served the default on the account. If you want them to change the date or to remove the default then it would be up to them and not the new creditor (as far as I am aware).

xlnc99

!!! wrote: »

You'll need to go with both, with the same story/grounds as to why it needs changing (which is...?)

what do you mean go with both?

xlnc99

Thanks for the reply Willing to Learn

Can anyone shed more light on this? I thought it was the original creditor aswell but i am not 100% certain

[Deleted User]

If both companies applied a default then you need to go to both for the default to be removed.