Write to said company and Hall (is it Scotcall they are trying to use?) and remind them the court case was dismissed and you do not owe this debt.

Remind them that you will report them to East Ayrshire Trading Standards and the OFT for harrassment.

Just tell them to get lost and do not visit as you do not owe this money.

No they are called Meritforce. I have never heard of them. This has been going on over 2 years now and the debt is over 16 years old. Its doing my head in.

Mackenzie Hall Group.

Hi after checking my credit file again.

They are still putting me in arrers for this account 6 months now.

There is still no default showing event though they did default me a few years back.

Now I have noticed they have written on my credit file that i have move addresses and not informed them.

.. which is untrue.

. is there nothing I can do about this?

This is going to stay on my file for another 6 years now,

when i had the default i only had another 3 years to go.

if they defaulted you several year ago [properly by a DN]

then it should fall off after 6yrs. paid or not.

is this 'account' the same 'accout'

as th org one.

or has the debt been relisted.

Dx

this is the orginal one.

There is no default anymore they have removed it off my CF

and put me 6 months in arrers instead

and now added the information about me moving and not informing them.

Which now means i have another 6 years until this comes off my credit file.

Debt was sold on and we went to court..

case dismissed and they just kept selling it on to different people.

how do you know HFC removed the default?

sems strange to me.

dx

If they didnt who did? They put it on surely only they can take it off? When i wrote to HFC to ask the question they wrote back to say they couldnt find me on the system and wanted me to send them my creidt file showing the information.

when did that first default [that went] get put on?

dx

2009. They couldnt of taken me to court without defaulting me right?

2009. They couldnt of taken me to court without defaulting me right?

They could just send you a final demand for payment if that was not met they can start a claim.

They could just send you a final demand for payment if that was not met they can start a claim.

Claim was struck out Brig so they would have an up hill job.I would write to the ICO if you are unhappy with the marker, it should drop off after 6 years irrespective of the claim.

Regards

Andy

then call the ico again and tell them what hfc are doing.

dx

2009. They couldnt of taken me to court without defaulting me right?

No. A default notice (required to enforce) is not the same as recording the default with the CRAs.

This defult was definitly on my credit file and they removed it. Im going to speak to ICO. Thanks all.