Thanks for your quick reply BeauBrummie. I have been making payments ever since I made an arrangement with GE Capital (Now Santander) back in 2001 after they served me with default notice. I thought this one would dropped off automatically after 6 years from my credit report. But its only started appearing from early this year, 8 years after that notice.

I have a problem. Default notice was served in 2001. 2 entries appeared this year. One from Santander/Debenham , showing as settled, and the other one is from (the famous) CL Finance. I wrote to Experian and after few emails they removed Santanders record. But CL Finances report still there. This one is showing as code 6 ( payment missed). Can they do this after 8 years? Any advice would be highly appreciated.

I have a similer problem. Default notice was served in 2001. 2 entries appeared this year. One from Santander/Debenham , showing as settled, and the other one is from (the famous) CL Finance. I wrote to Experian and after few emails they removed Santanders record. But CL Finances report still there. This one is showing as code 6 ( payment missed). Now my query is: Can they do this after 8 years?? Please help

I have now received reply from DCA for my CCA. They have sent me a copy of something. here it is Would someone please advise me on this. i cant read anything but name and address Thanks :confused: Scan0001.pdf

:confused:Do I have CL Finances correct address? Companies House gives: Kingston House Centre 27 Business Park Woodhead Road Batley, WF17 9TD Experian gives : C/O LEWIS GROUP LAWRENCE HOUSE RIVERSIDE DRIVE CLECKHEATON BD19 3XT Their letters give a P O Box number. I used c/o Lewis Group address on my CCA. Now is that the right one? Which one do I use????

Thanks havinastella

12+2 days now gone. Yet no reply from CL Finance. Would someone please give me the link for the next letter I need to send now. Thanks

I just checked my Experian report and realised that C L Finance has reported the same debt that was reported by someone else before. Earlier one now showing as settled (saying special instruction end date 01/12/2006. The file was last update in January/08. CL Finance Ltd reported it again recently. Two entries now showing for the same debt. Should Experian accept two entries for the same debt?

I just checked my Experian report and realised that C L Finance has reported the same debt that was reported by someone else before. Earlier one now showing as settled (saying special instruction end date 01/12/2006. The file was last update in January/08. CL Finance Ltd reported it again recently. Two entries now showing for the same debt. Can they report the same debt twice? Should Experian accept two entries for the same debt?

I am in too

Sent a CCA to DCA on 21st. Still waiting for a reply. But my credit report has been updated again this month with the same. I am still paying, but at a reduced rate. Can a DCA report it to a CRA?

Sent a CCA to DCA on 21st. Still waiting for a reply. But my credit report has been updated again this month with the same. I am still paying, but at a reduced rate. Can a DCA report it to a CRA?

Thanks 42man. Yes I am now trying to educate myself now. What a great site it is. But being an old man, it may take some time and also I am not very computer literate (trying thou)

Send me too please. I have been trying to remortgage, since feb/09 without success.

Thanks again dx. found that letter template