Anyone had dealings with these guys? I tried to get a credt report from them but they couldnt verify my details for some reason so I just left it. Yesterday they took a charge from my account for membership of £12. I am not going to pay membership fees if they can't even verify my details, I stupidly assumed that if I did not complete the process they wouldnt charge me. More fool me. Anyway, they don't have a phone number on their site so I have emailed but who knows when I will hear back from them. Any advice? Thanks Sarah

i am a bit bewildered about the consequences of paying off a debt that defaulted in June 2005 i owed approximately £500 originally on a store card which defaulted in June 2005 - a CCJ was taken out against me in March 2006 by which time the debt had increased to approximately £750 i have now received a letter from a debt collection agency stating they will accept 20% of the balance (i.e. £150) as full and final settlement from the point of view of my credit record, and the 6 year bar, do i cause myself bigger problems by settling the debt? i am not sure if i understand how these things work, but i think that if i pay nothing and do not acknowledge the debt, it will come off my credit reference agency file in March 2012 (6 years after the CCJ was granted), however if i settle the debt now, does this mean that the default will stay on my file until March 2017 (6 years after last payment/debt settled) i would be grateful if anyone could advise on possible consequences thanks

I have had an on-going issue with a DCA called Gothia. It's a long story so grab a cuppa and get comfortable:wink: Had a car loan with a company called British Credit Trust (BCT) many years ago, for various reasons, including an issue with the original paperwork having been altered by BCT after they had recieved it we disputed the outstanding balance and registered a complaint against BCT. They in turn strung the whole process out for quite osme time and despite assurances that whilst investigating they would not make any defaults on our account but they did every month! They told us this was done automatically by their system and they had no control over it! This was in fact a lie but after a while they went very quiet and we heard nothing from them. Some months later we start getting communications from company called Gothia and it transpires they bought the alleged debt from BCT even though it was in dispute. Have tried to get this resolved using as they have continually breached the CCA but they have ignored everthing. Even got the FSA involved and they were useless. Gothia have put a credit default on my credit reference file, have explained to Experian the whole story and all they do is contact Gothia and say "is this correct?" Gothia say yes and Experian say they can't do anything. I am stuffed because of this I have two defaults on my file for something that is not a debt. Cant even get a temporary short term overdraft increase from my bank without a fight because of this, they know what they have done and it has been done to cause problems! As an aside does anyone else thinj that credit reference agencies sway far too much power? Company put far too much emphasis on the data they hold without being fully aware of the facts.