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Hello,
I'm new to the site and would appreciate some advice regarding my Credit File.
The background is that sadly, some difficult personal financial circumstances resulted in Egg registering a default against me at the end of 2009 for unpaid unsecured loan of £8700.
The debt appears to have now been acquired/assigned to a DCA called APEX Credit Management who have defaulted me again for the same debt! I have no contractual arrangement with them, nor did they send me any notices that they were about to take the action that they have.
So my credit file now shows two defaults for the same debt. Surely there must be some rules against this as it hardly seems fair. I know I could in theory post a notice of correction but they tend to be generally ineffective.
I would like to get this remedied and I need an effective stick to beat Apex around the head with. I suspect me just writing to them to ask them nicely will have little effect.
Help please?
I'm new to the site and would appreciate some advice regarding my Credit File.
The background is that sadly, some difficult personal financial circumstances resulted in Egg registering a default against me at the end of 2009 for unpaid unsecured loan of £8700.
The debt appears to have now been acquired/assigned to a DCA called APEX Credit Management who have defaulted me again for the same debt! I have no contractual arrangement with them, nor did they send me any notices that they were about to take the action that they have.
So my credit file now shows two defaults for the same debt. Surely there must be some rules against this as it hardly seems fair. I know I could in theory post a notice of correction but they tend to be generally ineffective.
I would like to get this remedied and I need an effective stick to beat Apex around the head with. I suspect me just writing to them to ask them nicely will have little effect.
Help please?
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