Thank you. It's that long ago I can't remember if they did. I suspect though my agreement was with cabot though. Can they put on my credit file that several repayments are being missed each year when this is not true? According to experian an 8 means the credit agreement has ended but I am still paying it.

Hi hope someone can help. I had a Goldfish credit card balance £7525.00 that I got into a mess with and this was sold onto Cabot. I have been paying £25 for several years by direct debit. I have now had a letter from cabot saying I am behind with my payments and to contact them immediately. The thing is I'm not behind with the payments. I may have missed the odd payment but nothing recently. I have had a look at my experience credit file and they have been putting down a score of 8 every month for over two years, as if I have missed loads of payments but this £25.00 has been paid each month. Even in the letter they sent it showed the last six months payments had been received. The current balance is £6075.00. The default date was 29/10/08. haven't contacted them as I'm just confused as to why they have put on my credit file that several payments have been missed each year when this is not the case. What do I need to do? Thanks