Unrecognised Default on Credit Report

Edmond_2

cymruchris said:

Well if you don't recognise it - have never had business with them - and you didn't spend the money/create the debt - why wouldn't you challenge it? Someone out there did - and it's on your file. And yes - it can still become a CCJ. Go into your reports and click on the 'dispute this data' type of link and begin the process of challenging it. 

I can't access the dispute page currently. I'm going to ring Admiral today and see what they have to say.

Edmond_2

PaulW922 said:

I reckon that it almost certainly relates to an insurance product you were paying monthly, and was provided by part of the 'Admiral Group'. Lots of insurance brands are really the same businesses. As to why it has appeared now, it is quite possible that the company in question has just started reporting historic data. I would suggest you revisit your history and try to recall if there were any insurance products this could relate to but which you do not necessarily relate to Admiral?

I hadn't noticed previously, but it does say it's an insurance account. This makes me doubt it even more, as I've never bought insurance before for anything. Car and house insurance are in my wife's name. 

cymruchris

Edmond_2 said:

cymruchris said:

Well if you don't recognise it - have never had business with them - and you didn't spend the money/create the debt - why wouldn't you challenge it? Someone out there did - and it's on your file. And yes - it can still become a CCJ. Go into your reports and click on the 'dispute this data' type of link and begin the process of challenging it. 

I can't access the dispute page currently. I'm going to ring Admiral today and see what they have to say.

I imagine the lines will be busy - but let us know how you get on. Hopefully will be a positive outcome. 

Edmond_2

Update: Admiral's telephone contact centre was shut, so I messaged them with all the details on my credit report. They got back to me pretty quickly and said they couldn't find an account with the details. Well you put it on my report guys, come on.

After I finished rolling my eyes, I raised it through Equifax as a dispute, so I'm waiting on them now. Will update when I get a response.

Edmond_2

Further update: I've logged into my ClearScore and it's picked up on the fact that the account in question has been removed (because it's old). This puts me in an awkward position as I now have zero visibility of it. With Equifax investigating, will they still be able to see it? Will they still investigate it? Admiral denied all knowledge, but I don't want to end up with a surprise CCJ. I think I'm going to try them again.

Fighter1986

If the account defaulted in July 2014 it won't have already been removed due to age.

It will have been removed due to some other reason.

As other's have advised, obtain a copy of your report from Trans Union and Experian too to see whether the data appears on either of those.

If you still have a copy of the report showing the default, copy and paste the account data into a letter, write to Admiral, explaining that you never had business with them and request that they annul the account, and expunge it from your credit files immediately.

Good luck, and let us know how you get on.