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Halifax default

A debt company have bought my Halifax credit card debt but Halifax have not removed their default from my credit file.
Seeing as they are no longer the data controller can they keep the default on my credit file? As I now have two entries for the same debt on my file.
Any help would be appreciated :smile:

Comments

  • User_060921
    User_060921 Posts: 108 Forumite
    10 Posts First Anniversary
    edited 5 May 2021 at 9:43PM


    You have defaulted on a debt that was (at the time) owned by Halifax.

    It will not be removed

    You don't get a second one from the company who have bought it.
  • sourcrates
    sourcrates Posts: 31,796 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 6 May 2021 at 7:32PM
    The Halifax entry should show the date of default, and a zero balance.
    The debt purchasing companies entry should also show the same date of default, plus the outstanding balance.

    There are two entries, but both for the same default, all perfectly above board, and both will disappear on the 6th anniversary.
    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-letter
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