I signed a Trust Deed in September 2001.
Completed TD in February 2005, (Following payments to buy out equity in property.)
So, am I correct that all defaulted accounts should have fallen off my credit file in September 2007, (this month), which is six years from the date of signing the TD.
All accounts appear to have done so apart from Barclaycard who have registered the default as November 2001. Not a problem, I can send them the letter provided in the Information Section relating to Credit Files.
However, what has shocked me is an entry from Max Recovery the debt collection agency. The file reads thus, (as it is written):
MAX RECOVERY (BARCLAYCARD)(I) Credit Card
Terms 0 @ £0 Monthly
Last updated 14/08/2006
Monthly Status S
WTF is that all about? How on earth can a debt recovery company that I have had absolutely nothing to do with make an entry on my credit file 18 months after I satisfied my TD? Obviously, they appear to working on behalf of Barclaycard, but given that this debt was included in my TD, it just doesn't make sense.
So what can I do to get this corrected? I have already contacted Equifax, but I anticipate that they will throw the ball back into my court and get me to sort it out. I am seriously annoyed as this is going to seriously affect my credit rating until 2012 as every lender will know it is a debt recovery company and alarms will start ringing.