Statute Barred - Incorrect Data

SugaMouth

Good Morning All,

Apologies if this is considered a repost, but the question I have now seems unrelated to the original thread that I started.

Long story short, I received a letter (and note on my credit file) out of the blue. As the default is noted as being 6yr+ old - i sent a statute barred letter.

The response that i received stated that i had made a payment in 18/7/2014 so the case would remain until 2020!
Frankly this didn't ring true as I have no recollection of any dealings with these chaps in the first place, so I looked up my online banking from that date. As I suspected, there is no payment on or around that date.

Common sense dictates that I simply need to go back to them asking for actual proof of this transaction, but erroneous or falsified info such as their last response is more than a bit worrying. Would it be worth me engaging anyone like the FCA based on this? Or is it common for the data to be a bit off?

Thanks in advance.

Andy

[Deleted User]

Your first post of call is to dispute it with them and/or the CRAs. Then escalate to FOS.

The FCA don't deal with consumer complaints.

SugaMouth

Thanks for your response. I'll draft a response this afternoon.