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To cut a long story short, I had 3 payday loans, and defaulted on them all and fair dos I have 3 defaults on my credit file.


I paid all these debts off in full via repayment plans i.e £50 a month etc. No final settlement, each one I paid off what they asked. Should these not be marked as paid in full on my credit file rather than "satisfied?" Because it says on my credit file that my score is affected because all my non mail order accounts have not been settled as per the lenders satsifaction, yet ive paid the whole amount they asked for, and yes i was late paying but i never missed a payment once i was on repayment plans.


Secondly, my original debt with payday express was £480, the default date was November 2011. I have since paid back the whole £480 via monthly repayment plan, this was paid off in the beginning of October 2012 and yet my payday express balance is showing as outstanding on my credit report - by the whole £480 and that no payments have been made!!!!! I have written to them several times and asked them to update it but they are ignoring me, now they have had my money they are not interested in talking to me. Can anyone please advise as i am very cross

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