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Unrecognised Default on CF - how do we remove?

Milz
Milz Posts: 42 Forumite
in Debt-free wannabe
Hi Guys

I have seen a new entry on my credit file by Cabot Financial, I don't recognise this. Please could you advise how I can get it taken off my credit file?

Thanks!

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    I would write to cabot - the address should be on your credit file. State that you have noticed the entry from them and have no knowledge of any debt owed to them. State that you require them to remove the entry or provide you with proof of the alleged debt. Failure to do so will mean you will complaint to the ICO.

    You may also want to inform the credit reference agency that you believe this is incorrect and they should also contact cabot on your behalf.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • Milz
    Milz Posts: 42 Forumite
    Is there a letter template that I may use?

    Thanks
  • Tixy
    Tixy Posts: 31,455 Forumite
    Not really, you could use probably use parts of the prove it letter, but that is really to cover when someone is chasing you for a debt.
    Letter when you know nothing about about the debt - AKA "Prove it" letter
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • nottoolate
    nottoolate Posts: 1,359 Forumite
    Milz wrote: »
    Is there a letter template that I may use?

    Thanks

    dear crapbot, you are recording false defaults on my credit file. remove them otherwise i will report you to the ico and fca, take you to the fos, and sue you in the courts for defamation and damages
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