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    • sibber
    • By sibber 19th Mar 17, 5:34 PM
    • 2Posts
    • 0Thanks
    sibber
    New default on noddle file - PRA UK?
    • #1
    • 19th Mar 17, 5:34 PM
    New default on noddle file - PRA UK? 19th Mar 17 at 5:34 PM
    Hi,

    I have just recently checked my credit records as I periodically do and to my horror I have just found a default on my noddle (call credit i believe?) account. I have checked my experian account (through MSE credit club) and this default is not on there.

    I have no idea where this has come from and have never heard of the company but after a quick google search and looking at the default record it would appear that they have bought an old 'debt' from 2011. I did use a couple of payday loan companies from around that time but paid them all off.

    In my panic I have raised a dispute through noddle but thought i would come here for help. My credit score has always been good and i have no other defaults. The only big change recently is that I now have a mortgage (started sept 2016) but not sure if this is just co-incidence?

    Please could someone advise me where to start with this as i am aware how much defaults can affect your ability to get credit and can stay on file for 6 years.

    Thanks,

    N
Page 1
    • sibber
    • By sibber 19th Mar 17, 5:37 PM
    • 2 Posts
    • 0 Thanks
    sibber
    • #2
    • 19th Mar 17, 5:37 PM
    • #2
    • 19th Mar 17, 5:37 PM
    wont let me post link but heres what it says on noddle report:

    account type: advance against income
    account start date: 14/06/2011
    repayment frequency: monthly
    date of default: 12/08/2011
    default balance: £250

    then it goes on to show that the default was first placed in jan 2017 on my account, then again on feb 2017
    • Sparx
    • By Sparx 19th Mar 17, 6:38 PM
    • 603 Posts
    • 323 Thanks
    Sparx
    • #3
    • 19th Mar 17, 6:38 PM
    • #3
    • 19th Mar 17, 6:38 PM
    It couldn't of been first placed Jan 2017 when it says date of default is 12/08/11 - it's likely just a status marker showing each month the account is still in Default status and not Settled otherwise. That should drop off from Aug/Sep this year as 6 years will have lapsed.

    Count yourself lucky you still got your mortgage sorted, couldn't of mattered that much to the mortgage co!
    • Marktheshark
    • By Marktheshark 19th Mar 17, 6:51 PM
    • 5,426 Posts
    • 6,800 Thanks
    Marktheshark
    • #4
    • 19th Mar 17, 6:51 PM
    • #4
    • 19th Mar 17, 6:51 PM
    You will be hearing from the debt firm .
    Noddle will provide them with your details you used to register your account.
    Brexit will become whatever they invent it to be.
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