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1st Credit Default Notice On Credit Expert


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Hi,

 

I have a default notice dated 2007 on my experian file from 1st Credit, i have never entered into any formal agreement with 1st credit though i did make several payments to them under duress before i was properly armed with the facts from here with regards to them being able to provide written proof that i had a debt with them,

 

As they were unable to provide this upon written request they ceased to harrass me, however since i have never actually had a loan with them am i within my rights to challenge the default entry and if so how would i go about this, contacting them or the credit agency or both?

 

Any pointers on this would be really appreciated, its the last blemish on my credit history having dug my way out of a lot of debt and all thanks to the advice and help on here on here, thankyou guys!

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