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Can I be shown as late payments after a default

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So I am asking a question on behalf of my wife who has a really poor credit rating all due to debts over 6 years ago however some she is still paying off. The loans she is paying off she defaulted on almost 6 years ago but has been paying off via a DMP. So the defaults are due to drop off of the original debt but these have now been taken over by debt collectors and even though she is continuing to pay into the DMP as agreed with original loan and now debt collection agency they are showing late payments on her credit file each month because she isn’t paying the original minimum payments as defined by the original loan. Are they allowed to do this? As it seems to anyone looking at her credit account that these are two separate accounts but it is one account just taken over by another. 

Replies

  • edited 23 February at 9:52AM
    zx81zx81 Forumite
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    edited 23 February at 9:52AM
    More accurately, it should show as a default each month, though it makes little practical difference.

    The whole account will drop off 6 years from the default.
  • tetty177tetty177 Forumite
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    Part of the Furniture 10 Posts Combo Breaker
    But this is what I’m confused about. The original account is due to drop off next month but because it has been moved to a debt collection agent they have shown it as a whole new debt and starting afresh from last month so a whole new 6 years has started.
  • edited 23 February at 9:53AM
    2021BJ2021BJ Forumite
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    edited 23 February at 9:53AM
    tetty177 said:
    But this is what I’m confused about. The original account is due to drop off next month but because it has been moved to a debt collection agent they have shown it as a whole new debt and starting afresh from last month so a whole new 6 years has started.
    Does the new entry have a default date?

    Even if it doesn't, the new entry will be linked to the old one, precisely to avoid one account appearing to be two or more if it is sold on.  When the first one goes so should the second.
  • zx81zx81 Forumite
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    If it doesn't fall off next month, then you just need to dispute.  Won't be a problem.
  • tetty177tetty177 Forumite
    13 posts
    Part of the Furniture 10 Posts Combo Breaker
    Thank you!
  • tetty177tetty177 Forumite
    13 posts
    Part of the Furniture 10 Posts Combo Breaker
    2021BJ said:
    tetty177 said:
    But this is what I’m confused about. The original account is due to drop off next month but because it has been moved to a debt collection agent they have shown it as a whole new debt and starting afresh from last month so a whole new 6 years has started.
    Does the new entry have a default date?

    Even if it doesn't, the new entry will be linked to the old one, precisely to avoid one account appearing to be two or more if it is sold on.  When the first one goes so should the second.
    I’ve just looked abs the new account shows as pre default since jan 2017 yet I defaulted on the original account prior to this.
  • tetty177tetty177 Forumite
    13 posts
    Part of the Furniture 10 Posts Combo Breaker
    The old account isn’t on my file but the new one shows only if I since they took it over in January 2017
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