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Moon phases


Will a debt purchaser register a new, more recent default?

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Will a debt purchaser register a new, more recent default?

Post by Mrblue2017 on Sat Jan 12, 2019 9:24 am

Good morning all :-)

Sorry if this a stupid question, but here goes haha.

Once a default (and therefore includes a DATE) is registered by an original creditor (eg bank / credit card provider); if debt purchaser buys the alleged debt, is a new default registered (and therefore an new DATE too)?

Thank you.

Rgds

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Re: Will a debt purchaser register a new, more recent default?

Post by daveiron on Sat Jan 12, 2019 11:25 am

I would think not,but its only my take on it.
The original alleged debt was defaulted on X date ,later assigned (sold) to purchaser but must be still
the same debt as the purchaser has not lent you anything. So unless you admit to, or make a payment
to the purchaser that you owe them a debt ,it cannot be another debt .
Also to avoid any debt becoming SB, purchasers would after about 5/12 years exchange the debts with each other
and the cycle would never end.

Just my opinion ,but I have been wrong twice before in my life.
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Re: Will a debt purchaser register a new, more recent default?

Post by Mrblue2017 on Sat Jan 12, 2019 11:30 am

Thanks Dave :-)

Regarding your last bit about purchasers selling on to other purchasers; are you implying that that would then be a case where the default date is reset? Or that this happened in the past and the FCA or whoever has closed a loop hole?

Thank you

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Re: Will a debt purchaser register a new, more recent default?

Post by daveiron on Sat Jan 12, 2019 11:50 am

No just my opinion that if a default date was entered by the DCA (other than the one from the OC) then in theory
DCAs could prevent SB ever occuring. Which i am sure is not the case.
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Re: Will a debt purchaser register a new, more recent default?

Post by Mrblue2017 on Sat Jan 12, 2019 12:03 pm

Ok gotcha - thought as much :-)

Thanks again!

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Re: Will a debt purchaser register a new, more recent default?

Post by assassin on Sun Jan 13, 2019 1:47 am

Agree with Dave here, to register another default it must be another alleged debt and if the same alleged debt it sold on or passed to different companies for collection, then it is the same alleged debt,

In point of fact, if they tried to register another default for the same debt then it would be fraud and you could hit them with a claim that fast that their scrotum would end up behind their ears.
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Re: Will a debt purchaser register a new, more recent default?

Post by Mrblue2017 on Sun Jan 13, 2019 6:50 am

Haha! Brilliant, thank you assassin and daveiron again :-)

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Re: Will a debt purchaser register a new, more recent default?

Post by waylander62 on Sun Jan 13, 2019 8:27 pm

once the debt has defaulted with the original creditor then any purchasing DCA can change the name of the creditor with the credit reference agencies

but they cannot change the default date registered, they have been known to quite frequently do it but should not be, i am sure there is a case law on this somewhere

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Re: Will a debt purchaser register a new, more recent default?

Post by Mrblue2017 on Sun Jan 13, 2019 10:06 pm

Yep that makes sense, thanks Waylander62 Smile

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