not sure what to do about this? .. help!

**otbclear** · 28th January 2009 11:43

We had a few debt problems and had to go into a trust deed.

on checking my credit reference files I noticed the bank (Llyods tsb)has put a default on me for a loan amount £390.

they defaulted 2x current joint accounts because of the overdrafts and my credit card which the details are correct, that was all I had with them.

My Husband took out a loan himself not joint and the payments were £390 a month.I.m wondering if that has caused the mix up.

dunno where to start here?

any help appreciated!!

**craigers** · 28th January 2009 13:01

Speak to Lloyds icon

?

**otbclear** · 28th January 2009 13:34

suppose thats my best option

**craigers** · 28th January 2009 16:06

methinks. not much you can do if you don't know what the entry is about.

**otbclear** · 28th January 2009 16:24

It shouldn't be on there though, they have made a mistake

**rory32** · 31st January 2009 16:09

I would make a complaint to the credit reference agency. They are legally obligated to ensure that all information that they record is accurate.

**otbclear** · 31st January 2009 21:33

Originally Posted by rory32

I would make a complaint to the credit reference agency. They are legally obligated to ensure that all information that they record is accurate.

Thanks Rory

Do I just email them or do I need to put it in writing ?

**rory32** · 31st January 2009 21:39

Equifax and Experian you can do online. Callcredit I think you have to write to.

**otbclear** · 1st February 2009 16:11

Thanks again Rory,I'm with experian online so I'll drop them an email

**otbclear** · 4th March 2009 12:55

Can't believe this

Experian wrote to Lloyds icon

on my behalf,and in return they have said I need to get in touch directly by writing- which I'm not good at

They cannot remove the default, and on top of that they have added a duplicate entry to my husbands file this morning, don't know if experian or Lloyds is to blame for that one

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