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Hello,
A friends account with Barclaycard (approximately £3000). was sold (in full) to a DCA.
This company have marked the old Barclaycard default as "satisfied" and placed a new one with the DCA details. The default date is correct, as is the balance, but the rest is new (Name, account number of DCA ect).
The result is they now have two defaults, although one is satisfied, it still shows up and harms the credit file. From what I understand they should not have done this, and from the ICO guidance it seems they should have taken over the old Barclaycard default, or had Barclaycard administer it.
Can anyone clarify if this is correct, and what the next step should be?. (requesting the barclaycard account be deleted altogether, or that the new default be deleted?.).
Hope someone can help, I have done a lot of research on the CCA and DPA, but I am not 100% clear on this so do not know what to suggest. All I know is it can't be right they have two defaults, that look entirely separate.
Thanks again
A friends account with Barclaycard (approximately £3000). was sold (in full) to a DCA.
This company have marked the old Barclaycard default as "satisfied" and placed a new one with the DCA details. The default date is correct, as is the balance, but the rest is new (Name, account number of DCA ect).
The result is they now have two defaults, although one is satisfied, it still shows up and harms the credit file. From what I understand they should not have done this, and from the ICO guidance it seems they should have taken over the old Barclaycard default, or had Barclaycard administer it.
Can anyone clarify if this is correct, and what the next step should be?. (requesting the barclaycard account be deleted altogether, or that the new default be deleted?.).
Hope someone can help, I have done a lot of research on the CCA and DPA, but I am not 100% clear on this so do not know what to suggest. All I know is it can't be right they have two defaults, that look entirely separate.
Thanks again
