Oh, I don't know about any late payment charges, I haven't been charged for any yet, just the original default, I am going to clear the lot at the end of the month anyway. Experian, told me I had to contact Vanquis to get the first default removed as only the Cabot one should remain. What awful and rude Call Centre operatives they have, they tried telling me that the 2 defaults would stand, and when I asked to speak his superviser, he replied "Why, they'll only tell you exactly the same thing", after persistence, I spoke to someone who knew what they were talking about and they have agreed to remove it.

Hi there, thank you so much for your reply! Yes, the default does show the same date, so I will contact Experian with regard to this. I was so angry that I could barely sleep last night, so I really appreciate your advice!

Hi there, I really hope that someone can give me some advice. A few weeks ago, I received a phone call from Cabot, who advised me that I had an outstanding balance with Vanquis Credit Card of £153 which defaulted on 30 November 2007, I checked my Credit File, and yes, I did discover that I had a default from Vanquis for this amount and that this was defaulted on that date, I have never received any paperwork, since I moved out of that address around about that time. I agreed with Cabot that I would pay £3 there and then, and then make 3 x monthly payments of £50 via direct debit (the first payment was taken on 01/08/10). I have checked my Credit Report today, and have discovered that they have registed a default dated 30/11/07 for £153, with a current balance of £100. So, I have 2 x defaults for the same account, yet I have never received any notification of default paperwork (as it had obviously gone to my old address). I accept the initial default with Vanquis, but am angry I am being penalised twice. Is there anything I can do about this? I just spoke to a very rude and unhelpful person at Cabot.

Apologies for posting this in the wrong forum!

Hi, really need some advice. I took out Student Loans in 1993,1994,1995 and 1996. I Graduated in 1997. I was not earning the minimum amount for repayments until 2000, when I made repayments for approximately 10 months before being made redundant, where I then began to accrue arrears. In 2002, I moved to London and gained employment, and then began to make repayments after Student Loans Company contacted me and began threatening me, at around this time, I began living a reckless lifestyle, drinking to excess etc, and despite always working, I ignored my debts. In 2005, I began making repayments again, but soon defaulted and then in late 2006, I was contacted by Debt Collectors, initially Smith, Lawson and Company and then another firm (whose name escapes me), they refused to accept monthly repayments from me, and demanded the full amount, threatening me with doorstep collection etc. This merely terrified me into accepting a promotion in another part of the country and basically avoiding them ever since by not going on the Electoral Role. I have finally battled alcohol addiction, paid off a £6000 CCJ acquired in 2002 (which has now come off my credit file) and now want to start making repayments with Student Loans, so that I can go back onto the Electoral Role, rebuild my Credit History and get my life back on track. I am terrified to contact them incase they demand the full amount again (which I can't afford in one go) or if the debt has been sold on to debt collectors etc and they start hassling and threatening me. Why have they never issued a CCJ or default notice or applied for an attachment of earnings, esp since I have worked for a Government Dept for the past 7.5 years? I have used CreditExpert frequently, but they have never registered this debt. I know it is my fault, but I want to get back on track. Any advice please.