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Default from Express Finance T/a trading as payday express


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Hi

Today I received notification from equifax that my account had changed. Below is what has been added. I have never heard anything from this company for nearly 6 years. In fact the address they have put default on I moved from in Nov 2008. I genuinely don't remember this loan but it's not to say I didn't take it out.

Do I have to start the process with a SAR ?

Many thanks

skop

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Hi. Sorry you were missed.

 

I suggest a simple letter demanding details of this loan as you have no knowledge of it. For all you know, this could be a fraud on your account?

 

With the default, what date is it?

 

You want to know the date, amount, address at application of this loan. At the moment, I don't see a need for a SAR.

 

You can also dispute this debt with equifax and add a notice of correction to your credit file. Equifax have a duty to investigate any discrepancy.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi - info from equifax

 

Current Balance £ 575 Start Balance £ 0

Credit Limit £ 0 Default / Delinquent Balance £ 575

Start Date 26/08/2008 Date Updated 13/07/2014

Date Last Delinquent Date Satisfied

Default Date 07/07/2009

 

I will get the requests sent off. I am sure I would never have taken this amount unless it's the interest build up aswell.

I presume I send it to Express Finance....

Thanks

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77 Gracechurch Street

London

EC3V 0AS

 

this is their registered address.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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