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    • meme86
    • By meme86 13th Apr 18, 7:47 PM
    • 85Posts
    • 17Thanks
    meme86
    credit card to DCA defaults
    • #1
    • 13th Apr 18, 7:47 PM
    credit card to DCA defaults 13th Apr 18 at 7:47 PM
    I've been on a DMP for a while now, and my defaults will be coming off my file in a few months, and I am looking at my credit report, and have successfully disputed a date.

    With a different account, one of my credit cards MBNA was passed onto a DCA early on (within a couple of months after starting DMP), before being passed onto another, PRA Group.

    My question is, can both of them default me, as that is what has happened?

    PRA have never asked for a minimum monthly payment, and on my DMP, my payment has never decreased.
Page 1
    • sourcrates
    • By sourcrates 13th Apr 18, 7:59 PM
    • 14,051 Posts
    • 13,310 Thanks
    sourcrates
    • #2
    • 13th Apr 18, 7:59 PM
    • #2
    • 13th Apr 18, 7:59 PM
    The original creditor will of defaulted you, when the debt was sold, the balance should of been reduced to zero.

    Then the new owner starts reporting on your credit file with the default balance the debt has outstanding.

    It is still the same default.

    The original default date should remain the same, and it should drop off your file after 6 years.

    If any of that is incorrect, then complain to them.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
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