PLEASE HELP. Old debt resurfaced.

Usa2012

I have a very old debt that was statute barred over two years ago. I fired off the SB letter to a company ages ago and heard no more. I just recieved an alert from equifax from robinson way (a new company) who have searched my file and entered a 'new credit agreement on my file, although I have never had contact with them. Can they do this? I don't have any agreement with them at all and the last company wrote to me and confirmed that they had closed the file in light of my SB letter I sent them.
I have worked so so hard to repair my credit file and then this happens. What can I do , or write to sort this? can I get the search or 'new credit agreement taken off my file?
please help

rizla_king

Have they put a new default on then or just done a search?

Usa2012

rizla_king wrote: »

Have they put a new default on then or just done a search?

I think its just a search and then they added a new credit agreement on my file. I only have alerts on my equifax CF so will have to call to check. Could I send a SB letter with an added sentance stating that I demand the search and credit agreement be removed from my file?

happy_bunny_2

Check what they put on there first.

Could also check noddle for free as well.

But yes, if they have added a new default you would need to complain to get it removed.

Usa2012

happy_bunny wrote: »

Check what they put on there first.

Could also check noddle for free as well.

But yes, if they have added a new default you would need to complain to get it removed.

Really confused now as I had an alert to tell me they had done a search and that a new credit agreement had been recorded on my file with them.
I rang equifax and they gave me another free 30 days credit report access and apart from a soft trace search they did, there is no new account with them at all, and now the alert has disappeared 😕.
There's nothing on there at all ?! I've checked noddle and nothing in there whatsoever.
Do I just fire off the SB letter again?

happy_bunny_2

Personally, I would wait. If they traced you, they will likely write to you, then you can dispatch the prove it/SB letter.

HB

McClane54

rizla_king wrote: »

Have they put a new default on then or just done a search?

while your here mate, I had a default put on my account 5 years ago (nearly 6 now) by a bank and since then 3 "companys" who took on the debt have all placed defaults on my files for the orginal debt and i haven't even spoke to any of them, is this ok?

rizla_king

If they changed the default date that is not allowed.

DalePie

They are not allowed to do that.

You need to check your credit file across all 3 agencies so you know who put it there.

Robinson are a DCA so if they have added something you need to dispute that and get it removed. You might also want to report them to the ombudsman too.