Thanks for the response, the HP aggreement was for 1 year interest free loan which i paid 1 month before the aggreement was to start been charged interest. It was within this 11 months that they mixed my details. Experian have removed all the incorrect information once and say that the link has been broken however this incorrect information has started to re-appear and they are investigating. My problem is my credit score will not start to improve for 6 months when the searches start to expire. So what can i do to get a fair compensation out of the Black Horse?

hello, can anybody help me. I had a hire purchase agreement with Black Horse which has now been paid in full, however i have just discovered that while that agreement was active Black Horse managed to mix my details with someone else and then confirm this other person name as my alais. This other person has some serious debts and it appears from my credit report that every bank is owed money from him, all in arrears. This has destroyed my credit score to the point that i cannot even get a bank account. Black Horse confirmed that they are responsable in writing and have offered me £250.00 compensation. Is this fair? Hoiw long will it take to restore my credit score? Experian have cleaned up my report but this name has now started to reappear in linked addresses & financial associates from other companies who have had access to this wrong information. How can i stop this?

hello i am new and having problems trying with starting