Lol bazaaar.. i wondered what them noises were... Brig, I will do.. mainly because i'm annoyed at the blase reply I received, I asked them in the first instance who these people were and they haven't answered my question, if they are allowing these people to search our credit file then they should be prepared to explain who they are and why. Im awaiting outcome from my email asking for their details and ill send a letter out as you advised.

I can only find their listing on GMDU.net and that has a fair few errors lol. Have you found any other sites for them??

can I just ask, why would these people be credit searching me in the first place?

Thanks for your help Brig, im going to have a look now

No, Nothing, I did apply for finance on a bed after that date but that is noted on my file so it isnt that.

I have had a reply from Equifax (if you can call it that) Thank you for getting in touch. Stb Plc - Retail ''These searches are Credit Search Quotation searches and carried out for reasons other than a credit application. As they are not seen by lending companies we do not contact the company regarding this information. These searches have no impact on your credit rating. You’ll find more information about your credit report at: http://www.equifax.co.uk/help. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post. I hope you find this useful. If there’s anything else we can do for you, please let us know'' Obviously Im not happy with that at all! it doesnt tell me anything!! I have replied, asked for the details on this Company and asked what exactly a Credit Search Quotation is. It is not good enough telling me what I already know, they need to explain who and why.

Oh right, I do know they havent sent me any default notices at all. So how would I find out the correct date? Sorry about all the questions, I'm still learning about defaults and what I have to do.

Ok, I will write to Equifax, I tried doing it online but is too damn complicated for my brain lol. I'll contact them via snail mail, at least that way I can keep a record of postage too.

My newest Default in in June 2010 which is a pain because the others are 07. This is with Simply Be who do not have a CCA for the agreement at all, one was never signed. I need to get this one off as its too new. I think maybe I could argue this due to the fact they have no agreement at all. they have admitted there is no agreement

How would I know if the dates are correct? I have the actual default date on my file but no idea if it is correct or not. Would I need to write to them?

I see what you mean Im not sure who to contact as these people are in Nigeria. Should I write to Devere or to the FSA??

Righto. I have a fair few defaults, I have been deciding what to do with them. I dont think any of them were issued correctly. I have old 'AP' on my file but I was defaulted after and they are now showing red 'D' so these won't drop off if I am still paying them off?? I think I may write to them and request a copy of the valid DN and if they cannot produce it then withhold my payments.

Ok, thankyou for your help

ohh, thank you for that info, I will definitely do that. I'll keep you updated. While Im at it, a DCA acting on behalf of a Company that I have debt with have recently searched me before sending out a new onslaught of threatening letters after a quiet period. Is this the norm?

Does it still drop off if you're slowly paying the debt but there is still some outstanding by the end of the 6 years? and does the 6 years start from the actual default date?? thanks

I've got green 'S' on loans that never defaulted and were paid off normally so it can't be a bad thing surely? Can they actually remove a red default or does it drop off after the 6yrs whether or not it has been settled??

Hi all Just been reading through my credit report which I obtained yesterday. I was browsing through the section where you can see who has credit searched you and I found the following had searched me; Credit Search Quoatation 16/6/11 STB PLC - Retail Google tells me it is a Nigerian Financial Company part of the Devere group. I dont know a lot about Credit reports, does anyone know who they are, why they are searching me and are they allowed to just search peoples credit files??

I,ve had no reply to the letter so checked my credit report again and found a lovely fat green 'S' the account has been marked satisfied.

Think I'll just let them continue with their threats. I was defaulted in 07 so only 2 years to go lol

I am still getting threatening letters from Westcot. The last one advising me of a doorstep visit .. bless. I have been ignoring everything from them. I'm kind of hoping it gets to court stage now as they haven't remotely proved they defaulted me properly, no copy of letter or warnings on their system (as per my SAR) Do you think it could get that far for a £400 ish debt??

I see, I didnt realise there was a difference. I have written them a letter and will send it tonight. I havent banged on about the settled bit in the letter, I'll tell them I have noticed the Default is still there despite our agreement etc etc and that they have taken the £43.00 off the defaulted balance. Thanks for your replies everyone, I'll let you know the outcome.

But they have agreed to settle it? They have taken the amount off the balance but not marked the 'settled' on my account. I have had another DCA do the same had they marked my account with a green 'S' after the red 'D' I didnt think they could remove a default before the 6yrs if it hasnt been paid, only mark it as settled?? or am I wrong? I'm not so sure how it works, but thought marking my account as settled would suffice.

:|What? what have I done wrong?

I did, Alf.. part of their reply was; ''in an effort to bring this matter to a satisfactory conclusion, we are prepared to accept your offer of £43.00 in full and final settlement of the amount outstanding. Please ensure payment is made to us by 28/4/11. On receipt we will arrange for your credit file to be updated to show the account has been settled'' I made the payment on the 27th,

Hello All While I'm in the forums today, I have another question. I have several Defaults registered against me, a combination of loans and Credit Cards, some enforceable by CCA and some not. I have stopped paying a handful of these that I have been in arguments with them due to lack of CCA and others I am still paying a token £1 a month even though they have defaulted me. My questions are; Do the Defaulted accounts that I am still paying still drop off after 6 years? Does the 6 years start from the date the Default is marked against your name? Does Statute Barred mean the account hasnt been acknowledged for 6yrs+? Can they re-register the Default? How does a Default become a CCJ ? Sorry about this, I just need to decide what to do with my debts and decide what I am better off doing. I just want to know that there is some kind of end to all this once the 6yrs have elapsed Thanks in advance