True. I guess I'll just ignore them now. In fact they don't even know we received their last 2 letters as they went to the wrong address.

Ok that makes sense. We were just worried seeing that they where still updating the record and thought the 6 years wouldn't start until it's been settled. As we only found out about the supposed debt 4 months ago, our main goal was to get them to backdate/remove it from the record. Waiting until December isn't too much of a big deal. I guess I might write to them telling them that we won't be paying it because we are not satisfied that it is in fact debt we have outstanding. They've already said they won't be taking legal action.

Yes, defaulted 20/12/2010. So does that mean it'll disappear on 20/12/2016? Do you think I should just not reply to EOS now?

Thanks for the reply, however Atlantik last updated the credit record 03/05/2015, so it will still be there until 2021?

Hi, We have been looking at cleaning up my girlfriends credit record there where 2 entries from Freemans and one from Atlantik. One Freemans account stated it had been settled and closed in 2010 with the last record update in 2010. The other Freemans entry defaulted in 2011 and although not stated on the record, it was settled in 2013 through debt collection. We wrote to Freemans and they say they will update the record to reflect that it was eventually settled. The matter we have issue with, is a record for Atlantik that shows a default in 2010 for £357 and they last updated the record in 2015. They claim this is another Freemans debt which my gf doesn't recall. We're not wanting to get out of paying this, I would pay it today if I have to. Our worry is the fact that if we settle this today it will still be other credit record for the next 6 years, whereas if it was in fact settled year ago then it shouldn't be in this state. We wrote to EOS which is the company listed on the credit record for Atlantik, asking for more information. They simply responded with a bill for the £357. So a couple of days later we responded with the following letter: We heard nothing back, so later sent the following: They responded a few days later, acknowledging the complaint saying they have passed it to Atlantik F.GmbH (Freemans Oli) and that they have put the account on hold. 4 weeks later we received another letter from them saying: Now the credit agreement they sent has not been signed or even completed with any contact details. It is simply a photocopy of an Oli.co.uk credit agreement. It says in big letters at the bottom IMPORTANT: THE RETURNS SECTION OF THIS AGREEMENT MUST BE SIGNED AND SENT BACK TO US AT... So why can they not supply us a copy of the signed agreement? 9 days later, they sent a letter to my girlfriends fathers very old address (Luckily after 2 moves, he now lives next door to where he used to live, so he got passed the mail) saying they are trying to contact the addressee on the letter regarding a personal matter etc. . I think it's a standard fishing letter when trying to find someone. 2 days after that, they sent another letter to her fathers old address (Please bare in mind, all previous letters were received at our current address) saying: Before we were passed these letters from her fathers neighbour, we had already responded with the following: And finally, this week received a response, again to her fathers old address: With this letter, was many pages of computer screenshots showing monthly statements of purchases, payments, and many Dolt Reminder Fee's. For completeness, her is the letter we received from Freemans.com: Both account numbers mentioned by EOS end with A701, so is it possible it is in fact the same account? What should my response to this now be? They can't supply a signed credit agreement, and can't even get our address right. Like I said to begin with, we haven't got a problem paying it, but this only came to light when my gf checked her credit records and noticed it, so it's been lingering on her record all this time, and if we settle it it will linger for another 6 years. Thanks for any input.