Hi everyone, Over 6 years ago and at a very bad time in my life, I had a secured loan on a mortgage with Welcome Finance. I no longer have a mortgage - not through paying this off, but from a repossession - this is another story! the Welcome Finance secured loan has dropped off my credit file due to the default being over 6 years old. I have been paying a very minimum amount on the loan over the past year or so to a particular DCA, however, the hands of the DCA have changed over again to another company.... Marlin Financial have taken over this loan now and i have recently made payments to them continuing on the payment plan that had been agreed with the previous DCA. As the original default on this loan was over 6 years old, the entry had been automatically deleted from my credit file. This week I noticed that Marlin have created a new entry for the loan and re-entered a different default date that isn't correct, therefore, this entry has now reappeared and won't drop off for approximately 2 years. Are they allowed to do this? If not, how do i get this removed? How do I also prove that this original default has automatically 'fallen off' my credit report and prove the date that this was initially in default? Can somebody advise? Many Thanks, B_E_G

No searches carried out either... it's like they just have my email address and nothing else...

Checked Noddle - absolutely nothing on there either....

Just to be clear, i don't have a default from them or any entry on my credit file from PTP. My parents address was not the address where I lived when the loan was taken out, but they will be able to find this should they choose to review my credit file information. They have no telephone numbers for me either, which is a relief.

Thank you for your reply. Is there a standard letter that I can use about the visit? The pay day lender was Pounds Till Payday. I just can't understand why having not heard anything for almost 6 years, I now have these people on my case. I have never received any letters, just these two emails over the past week or so. I'm just worrying as I really don't want them to turn up at my parents. Thank you x

Hi All, On 19 May 2014, I received an email from MotorMile Finance chasing a debt which I believe will be statute barred in November 2014. The email states that they note that I have not responded to their previous communications (never had any!), and that my continued default will shortly be reported to all three major credit reference agencies. The email also states that the file is now being prepared for a notice of default to be issued and then for a Doorstep Agent visit to my property to try and resolve the matter amongst other things.... Basically, the loan was from a pay day loan company at a time of a money crisis within my life. I have not paid the debt and not heard from the payday loan company since November 2008. Now I have received the above email and also another one which states - "We note that we have not heard from you in response to our earlier communications. Your file is shortly scheduled to be transferred to one of our Home Visit Divisions. We are happy to try to resolve this matter without conducting a Doorstep Visit and would ask you to contact us by telephone or email to discuss repayment terms. Please note that if we do not hear from you, then you will be visited to assess your personal circumstances with a view to passing your account to our Legal Department. We would, lastly, advise that if you are able to make a lump sum settlement offer, then we would be willing to allow a 25% discount on the outstanding balance and to waive the default costs and interest that have not yet been added to your account balance." I am currently in a position whereby at the end of next year, my credit file will be completely clean - no CCJ's showing and all defaults will have dropped off. I cannot afford to get a default or indeed another CCJ. I have checked my credit report and there is no mention on there anywhere of this pay day loan, nor any default showing. What is the best course of action I can take with this? I have read up on another forum about MotorMile Finance UK Ltd and can see that people have had major problems with the company and that they aren't reliable and/or knowledgable. I also do not want them showing up at my property, however, I no longer live in the property where the loan was taken out. But the only other property is my parents, so I do not want them turning up there, especially when I don't even live there myself. Could someone please advise on what I should do? Many Thanks, B_E_G xxxx