PayDay Loan Company Added Account 6+ years after...

cjmillsnun

cjv wrote: »

I think this might be the same thing that has happened to me.

This month there is an account with "Myjar" that has appeared as a closed account on my credit report for £100. It states opened in 2010, settled Dec 2017. No late or missed payments.

This account went into default in 2011 with many missed payments and dropped off of my file at the start of 2017 (6 years from default). I know this as I was checking my report regularly around that time with the intention of rebuilding my history, paying attention to the dates when defaulted accounts would be removed.

I have no way of proving this as I did not keep default notices back when I was in financial trouble.

I have sent a query through Noddle with this information, but I am not sure if there is much else I can do.

If you can show that it has previously been defaulted on your file (you don't need the default notices that were sent by the company to prove this), then it should not re-appear and you can successfully get it removed. I had this issue with a default (one I had satisfied) being re-reported for two months after it should've dropped off my file. I have had the company remove it now as they admitted that it should not be there. That is different to the OP who doesn't think it was on the file previously.

BigTaff

Report them to the ICO. Job done

WorkingTowardsDebtFree

BigTaff wrote: »

Report them to the ICO. Job done

I think you have to go through a formal complaints procedure first, and only if they don't deal with your complaint to your satisfaction within 8 weeks can you refer it to the ICO or FOS?

WorkingTowardsDebtFree

Good news!

The company has agreed that the account should be removed from my credit file, and asked Equifax to remove it.

cjmillsnun

Great news. I’m happy for you.