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Beneficiary Trace enquiry - old CAT account - what is it? is it bad?


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Hi,

I Recently Thought of Getting My Credit Reports ,

 

On My Equifax Report there is a Search enquiry by a company called Shop Direct Finance Limited

called a on both my current address and a previous one ,

this has been done sometime in November 2015 ,

 

 

looking online it seems to be connected with Littlewoods,

Now interestingly I had an account with them till 2008, when I was abroad for a while

(now visiting on a short stay here for about 6 months)

 

 

they had apparently put some buy now pay later debt letters had arrived at home

( I hadn’t purchased any items -never used the account ,so though it may be dormant)

they put it in my credit files ,

 

 

after writing a few letters to and fro saying I can prove they weren’t mine

they apologised ,closed the account and subsequently removed it from my file

( it was only on Equifax if I recall correct)

I only took action in 2010 that's when I found out .

 

I would be greateful to know if this has a connection or what this ” Benificiary Trace Enquiry ” means?

 

Thanks

..P.S : I also have to mention I do have a couple of defaults on my file

as I continued to pay from abroad till the funds here fettered out .

 

 

I have never heard of a "Beneficiary Trace enquiry " could they be up to no good again?

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probably a DCA looking to see if they want to buy the debt.

only you and they can see it.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for the Quick reply dx,

 

 

But what I don't understand is there is no Debt I don't owe shop direct any money they "wrote off" the account balance at that time (I do not know what the balance was for as I never purchased anything) I was under the impression that they mistakenly put some one else's purchase details in to my unused account , I told them I don't even live in this country , they investigated took a long time but eventually without telling me why they showed a balance in the first place .

 

 

they apologised cleared the balance to zero and closed down the account , and as I requested deleted the default they had registered in my credit file (it was only in Equifax) so as of now and rightly there is no debt and no default ( I cannot check my Experian file as they send a letter to the current registered address & I have no address here in the UK , my last registered address is showing up as my current in Equifax of course I haven't lived there for ages don't even know who does anymore).

 

 

All communication was through email I still do have them last one was an apology & attached document confirming full balance on the account has been deleted and no payments should be made and the account closed ( it wasn't my purchases any way) then a further email confirming account is closed and the balance is zero there after the incorrect default was also removed ....

so here I am concerned why shop direct is up to no good again.

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Just keep an eye on your credit files to ensure nothing adverse pops up again.

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