Hopefully this may help explain the matter.

http://www.experian.com/ask-experian/20060125-why-an-original-account-and-collection-account-both-appear-on-your-credit-report-for-the-same-debt.html

It is up to the Credit reference Agencies to make sure the data they hold is accurate ( Data Protection Act). If they don't arrange to correct the information, you can make a complaint to both the FOS and ICO.

If Lowells have been legally assigned the debt, then they can register their details, but the date of default should be corrected. I don't know what happens. Do they just add their default information and it is up to Barclays to remove their entry ?

In this situation, I think you should be making an official written complaint to Barclays and Lowells, about this issue and about the charges applied to the account. Advise that you intend to involve the FOS, so if they are unable to resolve, within 8 weeks, you will have no alternative, but to take up the complaint with the FOS. Lowells will not be happy about this, as if a complaint is ongoing, they won't be able to chase for the debt and therefore they may pass the account back to Barclays, Barclays will then have to keep the account, until the complaint is resolved.

Hi,

I am after some advice

I defaulted on a current account overdraft with barclays in 2010, after disagreeing with them over charges etc, and got a default added to my credit file back then, which was understandable and accepted.

Now it seems they have sold the debt two years later to Lowell Portfolio, who have recently started to send me letters. Now this is nothing I cant deal with, but when I have checked my file again recently, have noticed that Lowell have added a new default, for exactly the same amount as the barclays one! The dates of default are slightly out by 3 months I think without checking, but both state defaulted in 2010.

How have they been allowed to do this, as I was under the impression that a credit account can only have one default against it, which this one has, but they have gone and added a new one for the debt they purchased under their own name, when I never had any dealing with them!

I emailed the credit reference agency who requested lowell allow them to remove it, but lowell came back with the info was correct and they have only reported it once! True they have but this default already existed for this debt!

So now it looks like I have two defaults on my account when it should just be this one!

I plan to ring and explain this with experian, but was after some facts here before I do

Thank You