1st Credit default on Experian

[TimProsser]

Hi - This is my first message. I'm so happy I found this great site it is a wealth of information!

 

I hope somebody may be able to offer some advice. I requested my Experian credit report as I'm trying to get a grip on my past debts. There is a default of £4344, defaulted on 19/09/06, to 1st Credit. The only thing this can apply to is a default on Barclaycard way back in the late 1990's. I no longer have this correspondance as I lived in London then and moved around a bit. I remember receiving some threatening letters from 1st Credit about this issue in 2003 when I moved to Swansea, which I didn't reply to as I wasn't in a position to pay anything. But since then I have received no corresponance from 1st Credit at all.

 

Can this debt still be enforced or is it statute barred. It seems illogical that a debt defaulted in the 1990's can be listed as defaulted in 2006? The credit report provides the contact details for 1st Credit, should I contact them and ask them to remove this default?

 

I would appreciate any help.

 

Many thanks,

 

Tim

[BRIGADIER2JCS]

Definitely do not phone them.

My first move would be to write Experian and challenge the entry they will usually

contact the creditor to confirm the details they have a correct.

It's a pity you have no paper work from the past as the only way practically is to do a subject access SAR then you will get all the documents.

Is this showing at your current address and can you remember getting a default notice in the 90's, you cant' be defaulted twice for the same debt,

but some of the sharks will try it 0n.

[TimProsser]

Thanks I wont phone.

I'll write to Experian and request further information.

I've lost all paperwork from before 2004 which is a pain. I'm sorry I dont know what a SAR is?

The default is showing at my previous address which I left in March 2010. I can't remember receiving the original default notice from Barclaycard in the 90's , just the demands from 1st Credit in 2003, and absolutly nothing since.

[BRIGADIER2JCS]

The SAr is a legal request under the Data Protection ACT you have to pay a fee of £10.00 Pay by postal order and don'sign it they must then send you ALL

the data they hold on , there is an excellent template in the CAG library.

This sounds statute barred IMHO.

[TimProsser]

Thanks for the advice. I'll write Experian and send SAR. Many thanks.