Had a loan in 2015 (either Lending Stream/Uncle Buck). I believe I paid the first instalment back then Defaulted on this due to life circumstances (long story etc) and it was never added to any of my credit files as far I know or could see from looking at the reports. I had completely forgotten about it over the years and only recently when checking an old e-mail address did I notice collection e-mails from Asset Collections and Investigations (ACI). The total owed is around £360.
As of the 1st Feb this year, Perch Capital ltd has added a default to my file. From a quick search they