Unknown on credit file

blue_pixie

Hi there I have a defaulted 'fixed term deferred payment' loan on my credit file for the amount of £127, which i have no knowledge of. Should i write to the company (Gothia?) and ask for something in writing to confirm what I supposedly owe money too, no-one seems to be chasing me for any unpaid loans, but I would like it off the file! Any advice greatly appreciated!

Tixy

Yes write to them, state that you have identified an item on your credit file and ask them to provide you with proof and full details of the alleged debt or remove it from your credit file.

fixed term deferred payment would often be something like a sofa on credit where you get 12months before you start repaying, or a something like a buy now pay later deal on a catalogue account.
If you don't have anything like that then it could have been incorrectly linked to you and belong to a different person with the same or similar name to you.

blue_pixie

Thanks so much for the helpful response.. :-)

The_Boss

blue_pixie wrote: »

Thanks so much for the helpful response.. :-)

Why not press the "thanks" button under the helpful response then? :money:

blue_pixie

Sorry forgot! :-)