Help hard search

Mrp791

Please help a payday loan company has twice in 3 months run hard searches on my file . It’s statute barred, they’ve said it is , that they can’t enforce it yet they keep running hard searches saying credit application search which I have not. Can they do this. ? This has been statute barred over 2 years.

D3xt3r5L4b

Application means someone is applying for loans. 

Mrp791

I haven’t applied for any loans?

Mrp791

Can they do this if A. I have not applied for new loans,( they are in administration) 
B. The old debt is statute barred and was removed over a year ago but now put back on?

[Deleted User]

I’d go to the credit reference agency and point out the problem (if you are applying for a product I’d add a notice of correction). I’d also discuss the issue with the payday lender, if to no avail then the financial ombudsman service.

D3xt3r5L4b

Then someone else is applying in your name. 

Mrp791

Thanks for your help 

Mrp791

is this right can they keep running hard searches making it look like I’m applying for credit?

D3xt3r5L4b

The additional checks are to see whether you have other debt elsewhere and may become unable to pay them back etc. and they’ve even said you’re currently in arrears. 

And yes if you agreed to it then it’s legal.