New default on noddle file - PRA UK?

sibber

Hi,

I have just recently checked my credit records as I periodically do and to my horror I have just found a default on my noddle (call credit i believe?) account. I have checked my experian account (through MSE credit club) and this default is not on there.

I have no idea where this has come from and have never heard of the company but after a quick google search and looking at the default record it would appear that they have bought an old 'debt' from 2011. I did use a couple of payday loan companies from around that time but paid them all off.

In my panic I have raised a dispute through noddle but thought i would come here for help. My credit score has always been good and i have no other defaults. The only big change recently is that I now have a mortgage (started sept 2016) but not sure if this is just co-incidence?

Please could someone advise me where to start with this as i am aware how much defaults can affect your ability to get credit and can stay on file for 6 years.

Thanks,

N

sibber

wont let me post link but heres what it says on noddle report:

account type: advance against income
account start date: 14/06/2011
repayment frequency: monthly
date of default: 12/08/2011
default balance: £250

then it goes on to show that the default was first placed in jan 2017 on my account, then again on feb 2017

Sparx

It couldn't of been first placed Jan 2017 when it says date of default is 12/08/11 - it's likely just a status marker showing each month the account is still in Default status and not Settled otherwise. That should drop off from Aug/Sep this year as 6 years will have lapsed.

Count yourself lucky you still got your mortgage sorted, couldn't of mattered that much to the mortgage co!

Marktheshark

You will be hearing from the debt firm .
Noddle will provide them with your details you used to register your account.