progressive financial services

EstellaK

Hi everyone
I recently joined experian and equifax to see what state my credit file was in..
My experian was not too bad- any problems on it are now settled but the equifax one is showing as having a defaulted account for progressive financial services for £991

Progressive Financial Services Ltd (I) / XXXXXX Loan 12 @ £ 62 (Monthly)
£ 0 £ 991
Date Updated 13/04/2005
Start Date 15/07/1999
Date Last Delinquent 07/02
Default Date 16/07/2002
Default/ Delinquent Balance £ 991
Defaulted Date 16/07/2002

I raised a dispute with Equifax as I didnt know who this definately was( I did check the internet and saw they were a part of welcome finance and I did have a loan with them but was sure it was paid off in my trust deed)

Anyway, to cut a long story short, equifax have come back and said that the information is correct and that I need to get in touch with The Lewis Group on 01274 852000. So, I called them and gave them as much info as I could and they have said that they dont know about me and have no record of me and dont deal with Progressive Financial Services.
I then emailed Equifax who have said that they cant approach the company again and have given me details for the Office of Fair Trading!!

Any ideas??
If I do owe the money, then I want to try and negotiate a full and final payment so that it will at least show as satisfied on my account

Floss

have you checked what was paid out under your trust deed? this may shed a little more light.....but then again, it may confuse things even more!

file_wizzard

If the data is registered under progressive's name then their contact details should be at the front of your file.

If not the contact details are;

PROGRESSIVE FINANCIAL SERVICES:
MERE WAY,
RUDDINGTON FIELDS BUSINESS PARK,
RUDDINGTON,
NOTTINGHAM,
NG11 6NZ

As the registered data controller they are responsible for the entry on your file and not the DCA