Cheque Centre have returned....

[needout23]

Hi All

 

I heard that Cheque Centre had gone out of business?

I had a payday loan with them a few years ago (xmas 2013) for about £300

that then became over £500 with their added interest.

 

They took £200 from my account before I contacted my bank to prevent them from being able to take anymore money.

 

I then stopped hearing from them for a few years,

however they started contacting me a few months ago demanding the outstanding balance.

 

My experian credit report is showing the debt as settled and not defaulted

- I did say this to them when they called but apparently " I'm wrong"

- I'm not stupid I can read what my report is telling me.

 

I'm just confused now as they vanished and then came back demanding the money,

also why would my credit file say its settled?

 

Is there a way I can fight this or even get it wiped off my report?

 

Thank you in advance

[martin2006]

Time for a SAR to them and also does your file say "settled" with £0 balance?

 

This could just indicate the debt is now sold on to a dca.

 

Who is contacting you about this?

[needout23]

Thank you for responding.

 

 

Im going to get a SAR sent out tomorrow

 

 

I will go back on experian once I get home to see what the balance is exactly and get back to you.

 

 

It is Cheque Centre contacting me directly themselves

[martin2006]

http://www.fca.org.uk/news/cheque-centre-stops-selling-single-repayment-payday-loans-fca-tougher-consumer-protection

 

maybe that will shed a little light on why you havent heard much