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MBK

TBI Financial Services Ltd - WHO ARE THEY???

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Hello

 

Hoping someone here can offer some assistance please.

 

Having checked my credit file I note an entry from 'TBI Financial Services' who I now know are a debt collection agency having done some basic checks. I have no idea why they appear on my credit file and do not recognise the debt. Its been added to my credit file this year and appears as 'closed / defaulted'.

 

TBI have not made contact with me either by telephone or letter and I honestly do not recognise the debt or entry. Never heard of TBI until yesterday. Could someone advise what the best cause of action is if I want to get to the bottom of this?

 

My fear is that if this is indeed one of my old debts, I will open a Pandora box which I don't particularly want to!! 😏

 

Many thanks

 

MBK

 

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Should tell you the debt type

Typically HFC stuff

 

When was your last payment?

Have you moved in recent years?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hello dx100uk

 

Not had any dealings with HFC as far as I am aware.

 

Never made a payment to TBI, but my credit file is indicating the account was opened in Jan 2019 and payment made in Jan itself. Feb, Mar and Apr are blank.

 

My credit file has open and closed accounts. This one is 'closed'.

 

No, lived at my current property for over 20 years.😑

 

Regards

 

MBK

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check noddle usually has better info.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks for your help thus far dx100uk.

 

Checked Noddle as suggested. The debt appears to be a 'loan' taken and added to my file in Jan 2019.

 

I have not applied or taken out a loan. This is baffling!🙄

 

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sounds like id fraud then

quite easy to do.

 

contact noddle dispute the entry

tell them its not yours and you've never had a loan

bit quick for it to appear on credit files if it was taken out in jan 2019 mind

something not right here

 

creditor wouldn't default for 3 mts

and certainly not sell that quick either!!

 

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Agree - This seems odd.

Send  a dispute through Noddle to them - You dont have to phone the DCA that way and you may get an answer as to what to relates to :)

 

Avoids them conning you :)

 


 

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Many thanks dx100uk, fkofilee

 

I have made contact with Noddle. Just waiting for them to get back to me.

 

Cheers

MBK

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sounds like they have got the wrong MBK and closed the file rather than admitting an error and facing the consequences for that.

Noddle will not tell you much other than to contact TBI and ask them nicely, which isnt going to help you.

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