Credit Report Change?

dizco

Hi

In 2007, I got into a dispute with Halifax over charges to my account which I deemed to be unreasonable. I incurred over £300 worth of charges over a 6 month period, mainly because they had honoured payments which took me over an agreed limit. After many arguments with them, they refused to back down and I informed them I wished to close my account. The correspondence continued, and I refused to pay the charges.

Since then my credit file has had an entry in it showing that I defaulted on paying them, and the amount of £300 plus remained outstanding.

I am set up for alerts on my credit file (believe it or not, I'm trying to improve my rating), and a week ago I received an alert to say that the Halifax entry had been deleted.

Does anybody know why this might have been?

Could they have handed the debt over to a collection agency after all this time? Could it have been written it off? Have Halifax applied for a CCJ? Seems a little odd that after 3 years, the entry has gone.

Has anyone had any similar experiences?

Gordon_Hose

My guess is that it's been passed on to a DCA and it's in the process of changing on your credit file.

I doubt they would just write it off like that.