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

[jimjimster]

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?

[dx100uk]

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

only you and they can see it.

 

 

dx

[jimjimster]

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.

[citizenB]

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