i forgot about it whilst i was dealing with mortgage lenders to buy a house. i was aware of the 6 years credit file status and assumed it would disappear after that time had past.

i quickly got bored of chasing them and more important things to deal with, as we all do

i had it and several others under PDUK. All paid off apart from one they're saying isnt. its been sat in my credit file as default, whilst ive disputed it.

ran away? if i ran away Id be a sunnier climate.

instead im still in london on this forum trying to sort this money I don't owe but has been labelled as a default.

Orange did the same (another debt I didnt owe)and realised the error if their ways by cancelling the debt.

I expected the same of PayDay Uk. how wrong was I.

sorry if wasn't clear.

i thought with time it would disappear. ive disputed this loads of times but it hasnt been removed from my credit file

You're probably right. if i write to Payday Uk for proof. they'll probably manufacture the same nonsense and add their logo at the top.

Hi guys

Any advice on how I can get rid of a CCJ issued by PRAC Financial?

My credit report states that the default on my loan with Payday UK (whose debt Prac has acquired) is Satisfied as of Jan 2017. Another credit report says its closed. Unfortunately these clowns still want their pound of flesh.

Ive received two letters. One from Northampton County Court about the CCJ and one from BW Legal saying I pay the amount of £1,029.

I dont want to pay another £255 to set aside. I dont want to pay anything to remedy?

What should I do?

Maybe write to the court?