New default query

yoshiyella

Good evening, 

On 19/03/25, my last default expired and I received a notification from Equifax that it had been removed. 

Fast forward to yesterday and the company have added a new account and the account status shows as default. 

Are they allowed to do this? I do have an outstanding balance and since seeing up the repayment plan I've not missed any payment. 

Thanks

fatbelly

If the account was defaulted 19/3/19 then they must stick to that.

Make a formal complaint, give them 8 weeks, escalate to FOS or ICO.

yoshiyella

I hope someone can give further advice. 

More information. 

In 2022 i received a default to my credit file. I received no communication from the company. 

In 2023 I checked my file (sadly I had a few defaults so score was always low) and saw this default by an unheard of company - company had changed name and the debt was being serviced by a 3rd party.

I made a complaint and the original company agreed that the default date should be March 2019. 

My credit file was amended. 

On 19/3/2025 I received 2 alerts saying both defaults had been removed from my account - didn't realise both the original company and the 3rd party could register a default each for the same debt. 

A week later the 3rd party re-added the default. 

I raised a dispute with Equifax and within 24 hours the 3rd party said the default date was correct. Equifax were now of no help. 

I sent an email to the 3rd party. They have responded saying that the date for 2022 was agreed by the original company and tough luck. 

I've phoned up and made a formal complaint but this has cost me a house and survey/solicitor costs. 

Any advice on what to do? 

Thank you again for all help

Nasqueron

yoshiyella said:

I hope someone can give further advice. 

More information. 

In 2022 i received a default to my credit file. I received no communication from the company. 

In 2023 I checked my file (sadly I had a few defaults so score was always low) and saw this default by an unheard of company - company had changed name and the debt was being serviced by a 3rd party.

I made a complaint and the original company agreed that the default date should be March 2019. 

My credit file was amended. 

On 19/3/2025 I received 2 alerts saying both defaults had been removed from my account - didn't realise both the original company and the 3rd party could register a default each for the same debt. 

A week later the 3rd party re-added the default. 

I raised a dispute with Equifax and within 24 hours the 3rd party said the default date was correct. Equifax were now of no help. 

I sent an email to the 3rd party. They have responded saying that the date for 2022 was agreed by the original company and tough luck. 

I've phoned up and made a formal complaint but this has cost me a house and survey/solicitor costs. 

Any advice on what to do? 

Thank you again for all help

As and when they reject the complaint, go to the ICO. They cannot register a default with a different date to the original one - if you defaulted with the original firm in March 2019, it must be removed in March 2025, the debt buyer is not allowed to falsely record the date as 2022 to extend this.