Hi, Thank you every one for your reply sorry for the late answer was away till now, No I haven't had any contact with them at all , however I have been receiving letters , most of them have fallen off now , but I hear recently that they say that they take action saying the default was only for the interest , not the capital ,thus seeking orders , only asking as I came across a search from a creditor account that was closed more than 4 and a half years ago, interestingly it wasn't even my debt but registered t under my details when I challenged it it got removed and balance made zero with out even telling me where it came from , most of the others just fell off recently . thanks

Hello, I am a newbie here. Hi, curious to know what Difference Between the current default Balance is? I have 3 defaulted account 1 shown the Default Balance as 2198.37 & the Current Balance as £2002.56 The Other One Shows the Default Balance as £567.00 but The Current Balance As £577.00 in the Third one both the Default & Current is the same . but I have not Acknowleged it or made any payment to any of them since the Default appeared. what do these mean? Current vs Default and in the context of my file . P.S : I noticed these Balances changed somewhere during the last year one's current balance went up the other down Kind Regards,

Thanks for the Quick reply dx, But what I don't understand is there is no Debt I don't owe shop direct any money they "wrote off" the account balance at that time (I do not know what the balance was for as I never purchased anything) I was under the impression that they mistakenly put some one else's purchase details in to my unused account , I told them I don't even live in this country , they investigated took a long time but eventually without telling me why they showed a balance in the first place . they apologised cleared the balance to zero and closed down the account , and as I requested deleted the default they had registered in my credit file (it was only in Equifax) so as of now and rightly there is no debt and no default ( I cannot check my Experian file as they send a letter to the current registered address & I have no address here in the UK , my last registered address is showing up as my current in Equifax of course I haven't lived there for ages don't even know who does anymore). All communication was through email I still do have them last one was an apology & attached document confirming full balance on the account has been deleted and no payments should be made and the account closed ( it wasn't my purchases any way) then a further email confirming account is closed and the balance is zero there after the incorrect default was also removed .... so here I am concerned why shop direct is up to no good again.

Hi, I Recently Thought of Getting My Credit Reports , On My Equifax Report there is a Search enquiry by a company called Shop Direct Finance Limited called a on both my current address and a previous one , this has been done sometime in November 2015 , looking online it seems to be connected with Littlewoods, Now interestingly I had an account with them till 2008, when I was abroad for a while (now visiting on a short stay here for about 6 months) they had apparently put some buy now pay later debt letters had arrived at home ( I hadn’t purchased any items -never used the account ,so though it may be dormant) they put it in my credit files , after writing a few letters to and fro saying I can prove they weren’t mine they apologised ,closed the account and subsequently removed it from my file ( it was only on Equifax if I recall correct) I only took action in 2010 that's when I found out . I would be greateful to know if this has a connection or what this ” Benificiary Trace Enquiry ” means? Thanks ..P.S : I also have to mention I do have a couple of defaults on my file as I continued to pay from abroad till the funds here fettered out . I have never heard of a "Beneficiary Trace enquiry " could they be up to no good again?