Unknown Default appeared on my Credit File

[Malagut1]

Hi all,

 

Apologies if this has gone into the wrong section.

 

I've just been advised by an employment agency that I've failed their credit check and now cannot take on the vancancy they put me forward for. This job was in a big Financial Services company so this has buggered up any other chances of working in that industry until this is sorted.

 

Have just had a look on my all of my credit reports via my call credit and discovered that a default has been registered on there by Frizzell Bank (now Liverpool Victoria)

 

I have absolutely no idea what this is - the account type is shown as Loan (unspecified type), Account start date is given as 4th October 1999 with an opening balance of £1,157, 36 repayments, £71 a month. Whats more the payment start date is given as 10th September 2008.

 

So, according to them, I took out a loan nearly 10 years ago which they've only just decided to collect payment on??????

 

Would be very grateful for any advice on how best to deal with this (which letter from the library to send them) Have combed through some of the threads but can't find anything matching my situation.

 

Many many thanks in advance

[babybear39]

You need to send the 'prove it' letter number 16 here:

 

The Consumer Forums - Debt collectors

 

Send recorded keeping a copy with your postal receipt, do not sign print or initial is best.

[Malagut1]

Many thanks for the very quick reply babybear.

[babybear39]

You're welcome

 

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