Good evening,
I hope you can offer some useful advice.
Looking at my credit file I have a Visa debt of just over £200 owed to Tesco Finance. It has not defaulted or gone to court, and the account opened in 1999, it is still open, with non-payment against the account.
As I didn't recognise it so I asked Tesco to provide me with either a recent statement as the account was open, a new card, or some sort of credit agreement
All the credit file shows is that is hasnt been paid, every month since about 2001, yet when I requested more information on the account Tesco wrote to me asking more information as they couldn't find this account nor why it hadn't defaulted etc. They wanted possible scenarios - had i moved, upgraded the card etc. I havent responded.
So, essentially, I dont acknowledge it, Tesco do not acknowledge it, they are not chasing it, they do not have me on the system under any postcodes- yet, if a creditor sees this on my file he presumes Im not paying a debt.
What to do?
Thanks in advance
p.s.
On a separate note, Is it the norm to start a thread for each new debt I am disputing? I have some other 'oldies' cropping up from years ago that I havent had time to challenge, i now want the calls to stop and credit file clean (note they're not even on my file anymore they're so old)