will do mate. just sent them a letter this morning. thanks for your reply just glad it cant go back on my credit file,

they told me the only information they have is it was made by transfer, they also said that someone else payment could of been issued to my account,

they said it will be in writing in the next few days, i will just write to them in future. does this mean the same debt cannot be reported to the CRA again?

Just received a call from MKDP and they said they will remove the default as welcome sent them the wrong default date, although they are still saying a payment was made in April 2010, why would they remove the default if this payment was made when they say it was, makes no sense still, glad its being removed but by the sounds of it they will be still chasing me? is that correct?

how do i do that mate, do you have any sort of letter template?

i really appreciate your help

default date on the old one was 2008, i dont have the report i contacted the CRA and they told me,

no default date from welcome days, welcome isnt even mentioned

they said they have no details of were the payment is from just says by transfer. surely they should hold my account number or sort code??

i apologies, default date 20/8/2013 reported until 20/08/2019

account opened Feb 06

when i contacted checkmyfile they said the last payment was 2008 thats why it was removed in 2014,

therefore i hadn't acknowledged the debt,

i have used Experian, checkmyfile and noodle, it was reported as a default 18/5/14 with a red 8 next to it,

when i checked in march this year is said it was reported until march 2014 and then removed in Aprils report,

there are 2 different dates,

is there anything i can do if they cant prove who or how this so called payment was made?

well the default date on the file is now 18/5/14

when they originally told me a payment was made in 2010 (April) this is why im confused,

the bit i cant understand is if i made a payment in 2010

why was the debt removed from the file??

and why was the payment not recorded with the agency?

hi mate, thanks for the reply, im a little lost tho, they don't have my new address didn't really want them to have it, although they will need it if im going to be sending letters, i really have no idea as what im putting in the letter?

can the same default be issued twice as well?

hi there,

£3000 loan taken in 2006 and a few payments was made before i moved away,

for some reason i was reported to checkmyfile until march 2014 and removed,

this debt was passed to MKDP llp 18/5/14

but they claim a payment of £15 was made to welcome in 2010,

but why wasn't this reported to credit agency?

and why was it removed?

if that was the case?

i called welcome to check this and they said they have a payment made in April 2010 of £15

but no idea how it was made only says transfer, no bank details ect,

Hi guys/girls

im new to this so here goes,

I had a loan with welcome finance that wasn't paid back, it was removed from my credit file in March 2014.

i have just check my credit file again and it seems the same debt is on again

as a default this time with MKDP LLP,

i called them to see what was going on and

they said i have made a payment of £15 in 2010 which i certainly didn't,

so i asked them how it was made and to who,

they told me they only have it down as a transfer,no bank details ect. so

i called the credit agency and they said if i would of made this payment it would have to be reported to them

and of this was the case why was it removed this year if i acknowledged the debt back in 2010??

it doesn't make sense and no one has any answers for me.