We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!
Hoist added another default account after I had paid
Options
![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
[Deleted User]
Posts: 7,175 Forumite
Long story short, I had a defaulted account with RBS over an unpaid overdraft which was sold off to Robinson Way/Hoist.
I paid the balance off to Robinson Way/Hoist a couple of month ago and the RBS account on my credit files was then marked as settled/satisfied. Fast forward to now and Hoist have gone and added a new defaulted account to my credit files, although marked as settled/satisfied, so now I have 2 defaults listed on my Experian and Equifax reports relating to the same debt.
Can they do this and why?
Why go and add another account when it was already paid off!
I paid the balance off to Robinson Way/Hoist a couple of month ago and the RBS account on my credit files was then marked as settled/satisfied. Fast forward to now and Hoist have gone and added a new defaulted account to my credit files, although marked as settled/satisfied, so now I have 2 defaults listed on my Experian and Equifax reports relating to the same debt.
Can they do this and why?
Why go and add another account when it was already paid off!
0
Comments
-
What’s the original default date ?As long as the two dates are the same it’s perfectly fine, and both will drop off on the same 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
-
The new Hoist account has the same default date as the original RBS account but it's still listed as 2 defaults on my credit reports giving it even more negative affect.0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.8K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards