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Tesco Personal Finance / RBS Default Notice
As my last thread didn't get me any answers I have changed the post slightly. So here's hoping I get some help.
I need some advice on a default I have on my credit file and how if possible I can get it removed. I've read that many posts on this subject that my head is spinning!
Took out a loan with Tesco Personal Finance(RBS) on 23/7/1998. Entered into a DMP with the CCCS in April 2001. £4366.20 was owed to Tesco at the start of the DMP . Thereafter monthly payments were made through the CCCS. No payments were ever late or missed. The debt was repaid in full. At the start I had 7 creditors and owed in total £21537.00 all of which have been repaid. 3 of the creditors were RBS. I had need to view my credit file in 2004 and there were 2 default notices from RBS which were placed on my file 11/6/01. I sent letters asking for their removal as I was in a DMP and they did. There was no default on my file at this time from Tesco. I only found out that they had put a default on my file in the last 6 months when I viewed my credit files. The default was added on 5/11/05. Why it was added then I don't know and they didn't give me an answer when I put that question to them. What I do know is that they are not prepared to remove the default. Question where do I go from here? I can't ask for a copy of my CA as there is no money outstanding, it's all been repaid and so therefore there is no active account. The only thing I know for certain is that I never received the formal demand that they said they sent on 18/11/05. If they had put the default on when I broke the agreement in 2001 then it would have been served over 3 years ago! I hope someone can guide me in the right direction.
I need some advice on a default I have on my credit file and how if possible I can get it removed. I've read that many posts on this subject that my head is spinning!
Took out a loan with Tesco Personal Finance(RBS) on 23/7/1998. Entered into a DMP with the CCCS in April 2001. £4366.20 was owed to Tesco at the start of the DMP . Thereafter monthly payments were made through the CCCS. No payments were ever late or missed. The debt was repaid in full. At the start I had 7 creditors and owed in total £21537.00 all of which have been repaid. 3 of the creditors were RBS. I had need to view my credit file in 2004 and there were 2 default notices from RBS which were placed on my file 11/6/01. I sent letters asking for their removal as I was in a DMP and they did. There was no default on my file at this time from Tesco. I only found out that they had put a default on my file in the last 6 months when I viewed my credit files. The default was added on 5/11/05. Why it was added then I don't know and they didn't give me an answer when I put that question to them. What I do know is that they are not prepared to remove the default. Question where do I go from here? I can't ask for a copy of my CA as there is no money outstanding, it's all been repaid and so therefore there is no active account. The only thing I know for certain is that I never received the formal demand that they said they sent on 18/11/05. If they had put the default on when I broke the agreement in 2001 then it would have been served over 3 years ago! I hope someone can guide me in the right direction.
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