Hope you can help - my partner just had a look at there CR and has an ok rating apart from a few credit cards and searches and 1 default - thing is
the default is with BCW - for an apparent provident debt
She called Experiean to find out what the debt was for - who directed her to call BCW - where she spoke to an absolute cretin of a man who by the way was incredibly aggressive, and totally unhelpful.
The debt was apparently taken out in 2008 and defaulted in 2009 - however
My partner is foreign - and has only lived in the UK since Aug 2010
She had lived in the UK before in 2001-2002 (working holiday @18 )
She then permanently moved over in 2010 - so I fail to understand how she could have racked up a debt for over £1000 without being in the country.
When she tried to reason with the guy over the telephone - and asked him what documentation they need to prove the debt is false he literally said "that's up to you" -
He will be sending out the apparent original agreement - ( my partner did ask him why he needs to send this out as it is obviously not her, but he is sending it out non the less)
My question is - where do we go from here - what type of documentation should we be getting together as proof that she was not here around that time.
As a side note - from what I have read defaults stay on record for 6 years - the "account" was defaulted in Oct 2009 - would it just be worth waiting until October for it to fall off ?
Any advice you guys could offer would be great