Information to help you deal with your CRF's

Moderators: TalbotWoods, JaneClack

By gazfocus
#220545 I have been looking through my Equifax credit report and I have a debt from Barclaycard for £677 and it shows that it defaulted in 07/2005 and the current balance is £677. Now, I started making payments to HFO Services to pay off the debt, but couldn't keep the payments up and they have too put a default on my credit file with the EXACT same details as the Barclaycard debt but with a current balance of £389.

Are they allowed to do this?

The details from my credit file are below:

HFO SERVICES LTD
Terms.......................0 @ £0...............Monthly
Balances...................Limit....................£0
................................Start.....................£0
................................Current.................£+389
................................Default..................£677
Effective Dates.........Start......................08/07/2002
................................Default..................07/2005
................................End.......................05/07/2005
................................Birth......................xx/xx/xxxx
Insight Last Update................................03/06/2009
Monthly Status.........D

BARCLAYCARD CENTRE
Terms.......................0 @ £0...............Monthly
Balances...................Limit....................£0
................................Start.....................£0
................................Current.................£+677
................................Default..................£677
Effective Dates.........Start......................08/07/2002
................................Default..................07/2005
................................End.......................29/07/2005
................................Birth......................xx/xx/xxxx
Insight Last Update................................04/08/2005
Monthly Status.........D0IIIIIIIII34323211001210021000110000
Can anyone offer ANY advice about this? Please?