Payday Express have logged 2 defaults

Tjrw1985

on my credit file and date of default is listed as 03/10/2011 on both.

Don't get me wrong, I did have a payday loan with them, and I have no problem admitting that, yes I did default, but it was all paid back in February 2011.

Last month it only said MEM consumer finance, and when I googled them it came up with Payday UK, so I emailed and got a response, confirming all paid in Feb 2011.

This month it has changed to Payday Express on my credit report.

I have logged a dispute with the credit ref agency and have also e-mailed MEM and Payday Express.

Why have they done this? over 12 months on from when my last payday loan was cleared.

happy_bunny_2

Do both entries show a zero balance and are they marked as satisfied/settled?

What is the date of last update for the entries?

Tjrw1985

Last updated in December 2013 with a £100 balance outstanding for both.

happy_bunny_2

Very odd.

If you don't get a timely response from the companies, best follow up in writing and get proof of posting.

a4a

Did they send you a default notice?

Tjrw1985

Not that I remember, but that was back in 2011 when I cleared it.

I have had a response stating they are going to clear it off, straight away and mark as settled.