Ha ha! Thanks for the heads up!!

Thanks folks! That said, should I expect more calls from them? I refused to confirm my address and he was happy to end the call. If they do phone back and confirm my address as 'NFA', will that leave them more inclined to leave me alone?

It's just that I've read the horror stories about them calling at all hours etc. And, I don't actually know the reason that they're calling, I'm just assuming (and we all know what happens when we assume, don't we!). Thanks for your quick reply though!

I'm aware there are tons of topics relating to this company, but I'm just after some advice regarding them. I received a phone call off these guys today, regarding a 'personal matter', and they asked me to confirm my address. I asked them to confirm it, and I'd tell them if they were right. The man on the phone said, "Look, if you don't want to confirm it, just say and we can end the call here." So as I said I wasn't going to confirm anything, he put the phone down. Now, the thing is, it hasn't actually been said why they're calling. I've Google'd the company, and seen that it's a DCA, so I'm glad I didn't give them my address. Now, looking at my credit report, everything is absolutely spot on and up to date. The only thing I can think of is a very old loan default that was statute barred two years ago. Since this occurred, I've got car finance, a small personal loan and a credit card, all to help build up my credit file. The loan just sits in an account and pays for itself (I know I'll be adding the interest), and the credit card just pays for petrol and gets paid in full every month. I've also passed a credit check to become a private tenant in my house. So if the reason for the call is this old default, which they haven't confirmed, how can I approach this with them? I don't want to give them any info that I don't need to, and don't want to cause problems for myself. Also, after this phone call I had with them today, what's normally next? Any help with this is much appreciated. Thanks!

Again, thank you!

Just had a look on Equifax, and the details there are the same as Noddle. So how can I default on the same loan twice in 5 days with two companies?

Arrow Global LTD 02/03/2012 Date of birth ..../1986 Account type Current Account Account number ***2826 0 Account start date 12/09/1997 Opening balance £ 9,898 Repayment frequency Monthly Date of default 08/05/2006 Default balance £ 9,898 HSBC 29/02/2010 Date of birth same as above/1986 Account type Bank Account number **********2061 0 Account start date 08/10/2004 Opening balance £ 14,770 Repayment frequency Monthly Date of default 03/05/2006 Default balance £ 9,746 That's the details copy and pasted of the two as well. And on Noddle, these are on the Other Accounts section, and not on the Personal Loan section. Not that it means anything. Is it normal that they've both recently been updated?

Thank you so much! 12/09/1997 - Arrow Global LTD current account started with a balance of £9898 (I was 11 at this point). 08/10/2004 - HSBC account started with a balance of £14770 03/05/2006 - HSBC account default - Default balance of £9746 08/05/2006 - Arrow Global LTD default - Default balance of £9898 According to the status history, Arrow Global have only been active since December 2010. Does this mean anything?

Hmmmm, that's interesting. I've just registered on Noodle (thank you very much for that), and the details there seem very different to all the other sites I've been on. According to this, I defaulted with Arrow Global on 08/05/2006, and the account was opened with a balance of £9898 (same as the default balance), and was opened 12/09/1997, so I would have been 11 then. So that doesn't make sense to me. HSBC on the other hand, opened on 08/10/2004 and this is the date I took out the loan with an opening balance of £14,770 (that's a lot of PPI isn't it!) and a default balance of £9746 on 03/05/2006. So how can the same debt default twice in 7 days? And why is the information so different between the credit score agencies? If I'm honest, I don't know what any of this means and it's starting to really stress me out. Thank you so much for the help though, I don't think you'll ever understand how much I appreciate it!

Credit Score Matters was the first, then I clicked one of the free ads on here, Debt Advice Online and someone called me up and gave me the other info. I can't recall what company he said he was from, my heads getting in a bit of a whirl with all this.

I've just spoken with another company who advised me to contact the creditors and make them an offer to pay off the debt. They said that once the debt has been satisfied, it will stay on my file for 6 years. If I don't settle it, it will be on my credit file forever, then it'll remain for 6 years after it has been settled. If this is the case, I'm going to be snookered as far as getting a mortgage is concerned for about 7-8 years aren't I. But this information from The Credit Expert site contradicts what people are telling me.

I've just got off the phone with the credit score agency. Basically, they said that I defaulted with HSBC, who then sold the debt to Arrow who I then defaulted with, that's why it's showing as two. They also said it'll stay on my record until it's paid in full. Because it's over 7 years old, once it's paid it will come off on the following month, and it's still on my record now because it's still classed as 'active' even though there has been no correspondence. Is this right or have I been well and truly fobbed off?

Thanks for the quick reply! I'll do just that. Is this something that is still going to affect me? I've been thinking about financing a car too, as mine is starting to become a bit tired (a money pit) and I don't want me being stupid, young and naive ruining my life.

Hi all, I'm after some advice to see if there is anything I can do. When I was 18 and unemployed, I foolishly took out a £10k loan with HSBC (08/10/2004) to buy a car. I managed to get a job that didn't pay great, and near enough my whole wage was spent on loan repayments, insurance and petrol. In 2005, I lost my job and the inevitable happened, I couldn't afford my loan. In April, I defaulted on the loan. My Dad took on the car and I 'disappeared'. Desperate to get back on my feet, I failed to make any payments and got myself into a rut. I'm not proud of what I done, but that's in the past. The collection agencies stopped all contact around April/May last year. Then in 2008, I opened a business account for a friend, that he didn't use as the investment into the company didn't come off and he failed to tell me. The next thing I know, Barclay's are on the phone saying I owe them £1000 for a business software package that's never been used (still in the cellophane and now in my possession) and business bank charges. I explained the situation to them and they agreed to let me pay that back at £50 a month, and I've never missed a payment on this. Now I'm fully back on my feet, earning a good wage working for the ambulance service. I've managed to save and buy a car and I pay my insurance through direct debit, RAC cover via direct debit, Barclay's via direct debit and I have two standing orders. All in all, these add up to £406 a month and I've not missed a single payment since I opened the account with Santander. I don't have an overdraft facility so that has never been used, and I've never had less than £250 in the current account since it's been opened. I also have a savings account with Santander that I regularly pay into. Now, I've just had a quick look at my credit report as me and my partner have been looking at houses, and I was just interested to see. According to the sites (I've checked a couple), I've got two defaults, 1st for £14,873 from HSBC, default is 02/04/2005 2nd for £9893 from the collections company. default is 02/04/2005 I know I've not paid this loan, but why does it appear twice on my credit record? And how long will it say on my record? And last question, how long is it going to affect my credit? One of the sites said a few car insurance companies done checks, I presume this is when I've been on Compare The Market and similar sites while getting insurance quotes, and one from Alliance And Leicester, I presume this was checks in getting my Santander current account. But I've never tried to get credit for anything since 2004, due to learning that if I want something, I need to save for it, but saving £150,000 for a house is a bit much. Any help or information is much appreciated, thank you.