Having just tonight checked my Call Credit report as a one off, I've noticed that Toothfairy Finance have registered a default against my name, however are they correct in doing so?
I've had a fair few problems with TFF/NDR/MHB in that they would not accept a repayment plan via my debt management agency nor would they then accept the repayment plan I was offering them. Finally I came to heel with a repayment plan of their choosing and have cleared the debt. In my honest opinion, there was a period of around three months where I wanted to pay but they simply made it an impossibility.
In short - I don't believe they've ever notified me of my default status, rather just consistently threatened me with "poor credit" (obviously - that's why I used them) and intimidation from an impending "visit" - what is my stance with this? Should they have provided me with a notice of my default and by rights can I get Call Credit to remove the default? Alternatively, being that this was settled months ago, should this not be listed as a satisfied default (for what little effect it has on your score)? Whilst I know that writing to the lender is the first port of call, I can't imagine Toothfairy to abide by any sort of rules set for them or to actually treat the question with general human decency.
It would also appear that they've searched against my name in recent months when I've NOT been searching for credit and when I've no longer had an outstanding balance with them - would there be any reason for this?