very old debt very new default

bertiebooboo

hello , I am hoping for some advice I tried to balance transfer my credit card today and was very surprised to be refused ,I checked my credit file and found that a company called Mackenzie hall have placed a default on my file for a unacknowledged debt from 2004 , I am now very confused about how they can still do this with a debt this old and they have destroyed my credit rating , I remember the incident in 2004 it involved a dodgy neighbour setting up a catalogue in my name ,ordering and intercepting the delivery as she knew we were at work , this was all resolved by myself and the catalogue company at the time , now this I have no idea where my former neighbour is , the catalogue company are bust , I know I don't owe this ?? how on earth do I get this sorted , and the default removed asap ?????????????????????

fermi

Formal complaint to MH stating that unless they remove the default you will be taking the matter to both he ICO AND FOS.

bertiebooboo

thanks are the templates of letters somewhere on here i can print , i am a first time forum user and a bit lost ?????

fermi

Well, each case is a little different so there is no one size fits all template.

However have a read of the ICO guidance.

--> https://forums.moneysavingexpert.com/discussion/3172602

A new default for such an old debt is completely inaccurate, and as such recording one is a breach of several parts of the Data Protection Act and principles.

Also deliberately recording false information on your credit file can be regarded as defamation.

You write quoting the above and demand removal, stating that if the don't you will take the matter to both the ICO and FOS.