Trace enquiry on table 2 of Equifax credit report

[BRIGADIER2JCS]

Hi Gary,If they are listing the same debt and/or part of it twice it is wrong, if an update is made the original entry should be removed or the p daoriginal entry should be amended to reflect the up date.

 

If you want to try to remove the entry I'll help all I can.

[Gary1981]

Good morning all, it appears that the 3rd party that done a trace inquiry on me has handed the finance company my e-mail address as I received an e-mail from them asking me to get in touch quoting a reference, I have had no dealings with this company since 2009. Just a couple of questions.

1) For a debt to become statue barred is it 6 yrs from time a took credit agreement or the last time I made payment I.e 2009?

2) Can the finance company escalate this now to a CCJ as it has been in default since 2009 and why would they have not pursued this all ready ?

Any help on this would be appreciated.

[BRIGADIER2JCS]

1. Date of last payment and or written acknowledgment of the debt.

2.Yes they could issue a claim and time in six from the default date.

 

Litigation should be one of the final methods of debt collection, bankruptcy being the ultimate method, which company made the search please?

[Gary1981]

Morning brigadier thanks for quick response just tried to pm you then with details but won't let me, don't want to put to much info out on this, 3 times this 3rd party went into my credit report this year think its very wrong to be going in there without my permission but what can I do. It's looking like I will have to swallow my pride an make an arrangement with finance company as I really don't want a CCJ going against me because as I have previously stated I am looking to get a mortgage in next couple of years. How becoming a parent changes u eh 8-)

[BRIGADIER2JCS]

The 'tracer' will be acting on behalf of the finance company and will most likely only have had trace ability to search and confirm identity.