Default re-appeared

ca7csu

Hi
I've just had a massive shock.
I was very foolish 7 years ago and took out lots of credit and struggled to pay it back, so took out a DMP with Debt Free Helpline.
Since then Ive made my regular payments, I changed to Pay Plan last september to try and get things paid off quicker.
My Defaults started dropping off after the 6 year mark, Howerver I've just checked my report with Noodle and one of the Cards has re-appeared as a default as of January this year - although it wasnt there last month when I checked.
I am gutted its re-appeared as I thought I was finally getting things back on track.

Anyone able offer me advice.

Chris

Trajal

There are mechanisms in place to query the reporting - I have had a similar thing using 'checkmyfile'. Sent them a secure message stating it was incorrect, they handled everything with Experian for me and it disappeared the following month.

Have a look to see if Noodle offer the same service, otherwise I'm sure Experian James will be along here soon to explain how to do it directly!

happy_bunny_2

Not allowed, but it does happen, usually when a DCA gets the debt and wants your attention. Read this:
http://www.ico.org.uk/~/media/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.ashx

Who reported the latest default?

Send them written complaint, demanding its removed and tell them you will be reporting them to OFT. If they refuse, go to FOS and them you can also ask for compensation.