My credit file is clean, no missed payments etc. Looking through the emails, Budget cancelled the insurance their side, i can see old emails from them. But they never sent me another email after the cancellation. I have no debt anywhere this is why this was a shock to me when it appeared on credit file really frustrating. I stopped paying because they cancelled the insurance. I didnt think there was anything left to pay.

The letters were addressed to my old address which was always forwarded using royal mail redirection service, never received one letter from. So there is no way i can fight removal?

Thanks for your reply the name on the credit file is this Your BANK with JC INTERNATIONAL ACQUISITION LLC has been added to or removed from your Experian Credit Report – because you’ve opened or closed this credit account. Strangely its just appeared, unsure why its just appeared. The default is 4 years 3 months old.. Budget was setup monthly payments I am going through letters, and emails and finding this was setup monthly for a work vehicle, but then it was cancelled. There are no emails from Budget threatening default or markers on credit file, should they tell you they are about to kill your credit file for 6years? Why didnt they send me a default notice etc? Can i get this default removed with some fighting letters? Thanks again

Hello, This was a debt registered to Budget Insurance now with the Debt Collector Jefferson Budget insists i owe a debt of £61 pounds, i have no record of any emails or letters from them. We moved house but all post was forwarded using royal mail redirect service so no mail was missed. The account was opened in 03 Sep 2018 and the apparent Defaulted date: 06 Jun 2019 i only know this as its suddenly appeared on my credit file. Can jefferson add a default to my credit file ?

Hello, first time posting here.. please help if you can I received a Default notice on my credit file the morning With the following details Opened: 03 Sep 2018 Defaulted date: 06 Jun 2019 Last updated: 10 Sep 2023 I have no record of any debt, this debt is owned by a debt collection agency, i have received no communication from them whatsoever, i also have no record of any outstanding amount with Budget Car Insurance which the debt relates to. Should I of been told about the pending default notice? Should I of received a default notice? Surely you cannot add this on to someone's profile without actually giving them a chance to pay it before it becomes a default The amount of £61 pounds as well and a 6-year default is a killer. How would one go about getting this removed? Thank you so much