Greenwoods Personal Credit-Paid Or Not Paid?!

babylululu

Hi anyone! Advice needed

I recently noticed on my credit file i had an £81 outstanding debt from greenwoods personal credit (provident) from 2009!

I was sure i paid it off (maybe not) however they have never ever chased me for it!

Wanting to clear my file i contact them, after the odd email i got a letter to say that the account is settled to there satisfaction! :j

However 2 days later i got a default notice saying i owe and have to pay the £81! do i have a leg to stand on? First they never contact me then they say its paid then they say its not?!

UsetheFORCE

babylululu wrote: »

Hi anyone! Advice needed

I recently noticed on my credit file i had an £81 outstanding debt from greenwoods personal credit (provident) from 2009!

I was sure i paid it off (maybe not) however they have never ever chased me for it!

Wanting to clear my file i contact them, after the odd email i got a letter to say that the account is settled to there satisfaction! :j

However 2 days later i got a default notice saying i owe and have to pay the £81! do i have a leg to stand on? First they never contact me then they say its paid then they say its not?!

Have they already placed a default on your file?

If they have already written to you telling you it is satisfied, send a copy of it back to them. If they insist you owe the money then ask for a statement of account so you can verify it.

babylululu

Thanks for your reply- they may well of done years ago when i hadn't paid- haven't checked my file recently only a basic one from Noddle which shows late payment

Thanks will contact them and see what they say

UsetheFORCE

I would suggest you get your £2 statutory reports off Experian and Equifax to find exactly what has been recorded on your file...