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Express Finance, 2 Defaults but no Communication from them!


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Hi All,

 

First of all I'm new to the site so forgive me if I have posted this in the wrong forum.

 

Back in 2009 I got into a bit of trouble with Payday loans, you know the story; started with one and then had to take another to pay the first off etc.

 

Thankfully I have now managed to pay the bulk of my debt off, I am in the process of rebuilding my credit profile and I wasn't aware of any more Payday loans being outstanding.

 

However, I checked my CRA file the other day to find that "Express Finance" have recorded TWO defaults; One for £295 and one for £70 just a few months ago.

 

I have never received any correspondence from Express Finance at any point, not even a default notice.

 

As you can imagine, having TWO defaults from them on my CRA file is causing me a problem and I want to try and get them removed.

 

I am quite concious that if I were to write to them they may realise that it's one that they haven't chased.

Can anybody advise the best way forward to get the Defaults removed without attracting demanding letters from them?

 

 

Many thanks in advance!

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Contact the credit agency and contact the pdl with the prove it letter and demand the defaults are removed.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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