also no default notice was ever served to me either.

update. i spoke to provident who now claim that i made a payment in July 2012 - i did not it was moorcroft. Apperantly the reason they have defaulted is because i have not made a payment. Even though they can see that i have been paying moorcroft. i just dont understand this one bit. The account was sold and have been paid off yet they have defaulted it for a payment that i didnt make. honestly this sucks.

Well what can i say that hasnt been said before. Ok i had a provident loan, i defaulted and the debt was sold to moorcroft! Over the next year i made my payments every month and finally in July moorc wrote to me saying the account and debt had been cleared and sent me a statement and letter. I checked my credit file this morning and i have defaulted saying i have never paid they took my rating from a high one to very low i need help in dealing with this please. My first step is to call prov and explain what has happend, then i will scan and email the documents to show them all has been paid. What should i be weary of? How long until prov remove the default from the file and marked as settled?

Thank you

Evening I really need some help! I will bullet point out my problem. I worked for 2 years for a small company that runs car parks. I never had a contract even though I repeatedly asked for two years. I received pay slips after a years services and on my pay slip it said I got paid £300 a week, but my boss was paying me £400 before tax etc. I left and on my final pay slip it said he paid me my holiday pay which he hasn't. I have called lots of times and each time I never get a call back. I asked about my holiday and the office said I had to work a year before I could get any holiday and they made a mistake with my final pay slip and it shouldn't show holiday. Where do I stand and what can I do? Please help Thanks

I managed to get capital one to drop the amount i owe them, whoever i find that they have entered a default on my credit record. where would i find a template letter if there is one asking them to remove this as the amount according to them has now been settled. i would like to add that this is over a month ago. thanks