Double Default On Report 19 October 2021 at 9:49AM in Credit file & ratings 8 replies 142 views

Dominic1234

Good morning, I was issued with a default from Barclaycard in September 2019, the debt was then sold to a debt collection agency who then issued a further default in October 2019. On my clearscore account it states 'you have 2 defaults or repossessions on our report' with these two listed. I have contacted the debt collection agency who have stated that 'they are not duplicate entries but are merely a transference of the original default' 

If that is the case should the Barclaycard default be removed and my report just show 1 default as they are the same debt? 

Thanks

adamp87

No it’s correct. (Do they have the same dates? They should.

If Barclays defaulted you in Sep 2019, then even though an agency added to your report in Oct 2019’- the default date should say Sep 2019

Your account history stays for 6 years. Barclays is the original creditor.

It’s a problem with the way Clearscore is reading your report that it’s counting 2 defaults when really it’s one, just their algorithm.

Dominic1234

No they have different dates, September for Barclaycard and then October for the debt collection company

sparklep0ny

Dominic1234 said:

No they have different dates, September for Barclaycard and then October for the debt collection company

That's fine. They will be linked so anyone checking your file will see the most recent one, not the Barclaycard one.

adamp87

sparklep0ny said:

Dominic1234 said:

No they have different dates, September for Barclaycard and then October for the debt collection company

That's fine. They will be linked so anyone checking your file will see the most recent one, not the Barclaycard one.

That’s not fine if they have different dates, they are supposed to match. Otherwise on Op’s report in September one default will still be there after 6 years.

OP I’d check another file - MSE Credit Club/Karma and see how they list the debt. Clearscore (the app anyway) isn’t very clear with default dates at all 

sparklep0ny

adamp87 said:

sparklep0ny said:

Dominic1234 said:

No they have different dates, September for Barclaycard and then October for the debt collection company

That's fine. They will be linked so anyone checking your file will see the most recent one, not the Barclaycard one.

That’s not fine if they have different dates, they are supposed to match. Otherwise on Op’s report in September one default will still be there after 6 years.

OP I’d check another file - MSE Credit Club/Karma and see how they list the debt. Clearscore (the app anyway) isn’t very clear with default dates at all 

It's fine in the sense that there are not two defaults, which was the entire point of the thread.

If the OP wants to faff around trying to get the default pushed back a few weeks then, by all means, do so but for most people, it's neither here nor there.

sourcrates

The Barclaycard entry should show the original date of default, and a zero balance.

The entry from the debt purchasing company should show the same date of default, and the outstanding balance.

If there is only one month difference in the dates, I would not bother making a fuss about it, if the dates differed Widley, then that would be a different matter.

There is just the one default, but it is currently being reported by the old creditor, and the new one, you may find, in time, the Barclaycard entry will disappear, that tends to happen occasionally, without any justification or reason.

What they are doing is perfectly normal, and par for the course.

Dominic1234

Good morning, Thought it would be easier to show what it says on my Clearscore report, this is how it is shown. As you can see it is showing as 2 defaults but related to the same debt. 

sourcrates

Yes, they are just stating a fact, we have told you what it means.