Marlin entered new default on WElcome loan defaulted years ago

[Blue_Eyed_Girl]

Hi everyone,

Over 6 years ago and at a very bad time in my life, I had a secured loan on a mortgage with Welcome Finance.

 

I no longer have a mortgage -

not through paying this off, but from a repossession - this is another story!

 

the Welcome Finance secured loan has dropped off my credit file due to the default being over 6 years old.

 

 

I have been paying a very minimum amount on the loan over the past year or so to a particular DCA,

however, the hands of the DCA have changed over again to another company....

 

Marlin Financial have taken over this loan now and i have recently made payments to them

continuing on the payment plan that had been agreed with the previous DCA.

 

As the original default on this loan was over 6 years old, the entry had been automatically deleted from my credit file.

 

This week I noticed that Marlin have created a new entry for the loan

and re-entered a different default date that isn't correct,

therefore, this entry has now reappeared and won't drop off for approximately 2 years.

 

Are they allowed to do this?

If not, how do i get this removed?

 

How do I also prove that this original default has automatically 'fallen off' my credit report

and prove the date that this was initially in default?

 

Can somebody advise?

 

Many Thanks,

B_E_G

[dx100uk]

you could chance ringing the CRA people

they might have a record of the old Default date.

 

 

alternatively , and what I'd do

 

 

is SAR welcome finance

 

 

you'll need all the statements anyway

as they'll be PENALTY fees & PPI etc to reclaim I bet!

 

 

I'd be sending marlin a CCA REquest

as it seems you've been cash cowed for years on this debt.

 

 

its typically a good sign they are fleecing you if they pass it around.

 

 

dx