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Same Shop Direct Finance ebt being listed twice on credit file

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I have a debt on my credit file which I am confused with.


The debt was originally with Shop Direct Finance.


They then sold it onto another company called TTI SPC (or TDX Group Limited).


I wrote to TDX Group Limited asking for evidence of the debt.


All they provided was a very basic statement of account, and stated that there was no signed valid credit agreement.


TDX have refused point blank to remove the default from my credit file.


I checked my credit file yesterday and Shop Direct Finance have listed the same debt as being settled.


The account number is the same on both credit file entries.


So how can one firm says its settled and the other saying there is an outstanding balance of £272.


So I am confused.


Any advice please?

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Shop Direct Finance will have sold debt to TTI and changed their credit file entry to settled with TTi then entering a reference for the debt should also have same default date etc as the original entry.



cannot find it A to Z





Halifax :D

Paid in full £2295


MBNA:mad: 20/03/2008 settled in full out of court


Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs


Littlewoods :-D

12/08/2007 write off £1176.10 debt.


JD Williams charges refunded in full £640

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