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  • FIRST POST
    • jimmy 070
    • By jimmy 070 6th Jan 18, 8:17 PM
    • 1Posts
    • 0Thanks
    jimmy 070
    Default to CCJ then 9 years later another default
    • #1
    • 6th Jan 18, 8:17 PM
    Default to CCJ then 9 years later another default 6th Jan 18 at 8:17 PM
    Evening,


    Back in 2008 I defaulted on the debt which I subsequently received a CCJ for in early 2009 I entered into an agreement with the creditor via the court to repay the debt which I have done and never missed a payment.

    The CCJ dropped off my file in 2015 and no other record off the debt was held on my credit file until this week where its reappeared on my file stating it was defaulted in Oct 2013??? even though I have never missed a payment.

    I'm assuming that this is an oversight on their part and will contact them on Monday morning to attempt to put it right.
    Has this happened to anyone else on here? or if anyone can impart some advice it would be very much appreciated.


    Cheers
Page 1
    • Gary_Dexter
    • By Gary_Dexter 6th Jan 18, 8:55 PM
    • 1,292 Posts
    • 740 Thanks
    Gary_Dexter
    • #2
    • 6th Jan 18, 8:55 PM
    • #2
    • 6th Jan 18, 8:55 PM
    It has happened to people before yes.

    Contact either the debt agency or the CRAs and ask for it to be removed.
    • dumpyboy
    • By dumpyboy 7th Jan 18, 8:21 AM
    • 369 Posts
    • 85 Thanks
    dumpyboy
    • #3
    • 7th Jan 18, 8:21 AM
    • #3
    • 7th Jan 18, 8:21 AM
    Yes sainsbury bank did it to me after default expired, I complained they said it was computer error as there was still and out standing balance it thought it should be reported, I wonder how many people have been caught out like that
    • tenchy
    • By tenchy 7th Jan 18, 6:35 PM
    • 360 Posts
    • 113 Thanks
    tenchy
    • #4
    • 7th Jan 18, 6:35 PM
    • #4
    • 7th Jan 18, 6:35 PM
    Do the CRAs not check anything at all? It seems they just accept anything that's shovelled in their direction, regardless of its authenticity or accuracy! I would have thought an organisation whose purpose is to act as a repository for credit data should at least put basic checks in place. This sort of thing really should be reported, and they should be fined by the ICO.
    • dumpyboy
    • By dumpyboy 7th Jan 18, 8:09 PM
    • 369 Posts
    • 85 Thanks
    dumpyboy
    • #5
    • 7th Jan 18, 8:09 PM
    • #5
    • 7th Jan 18, 8:09 PM
    Do the CRAs not check anything at all? It seems they just accept anything that's shovelled in their direction, regardless of its authenticity or accuracy! I would have thought an organisation whose purpose is to act as a repository for credit data should at least put basic checks in place. This sort of thing really should be reported, and they should be fined by the ICO.
    Originally posted by tenchy
    That's the trouble cra do not have to check its right only report what they given you have to check it s right , and get it corrected if wrong, that's why many firms chance there arm and report in correct information
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