filing adverse after default removal

[The Debt Star]

What steps should be taken when a creditor re-files a hitherto defaulted account as a 'new' account with a new account number after it was originally removed from a credit file after 6 years?

Has just happened to my b-in-law. He had a Barclaycard that defaulted. It sat on his credit files for 6 years. All the time he has been paying them on a DMP. Then, 12 months after it was removed, the bank chandge the account number and re-filed it as an Arrangement to Pay.

This must surely be in breach of the DPA?

[Never-In-Doubt]

Re: filing adverse after default removal

What steps should be taken when a creditor re-files a hitherto defaulted account as a 'new' account with a new account number after it was originally removed from a credit file after 6 years?

Has just happened to my b-in-law. He had a Barclaycard that defaulted. It sat on his credit files for 6 years. All the time he has been paying them on a DMP. Then, 12 months after it was removed, the bank chandge the account number and re-filed it as an Arrangement to Pay.

This must surely be in breach of the DPA?

It is a breach, one account = one entry per life-cycle of said account. Basically ICO time - but you'll need proof that they have done this, then you send that proof and the ICO will demand removal or instruct the CRA to remove the data directly.

[The Debt Star]

Re: filing adverse after default removal

Proof, as in sending them a SAR? Might be worth keeping all my existing SAR data then plus screenshots of my cred files for a few years.