May 2005 entered IVA
May 2008 F&F and IVA finished
Feb 2009 Completion Certificate recieved and " credit fiel clean up " started.
Included in my IVA was a debt with Citi. In May 2009 I recieved a letter from them saying they had changed my default date to May 2005 ( date IVA started ) and they had updated my credit files, which they did. The debt showed as £0 balance, default date May 2005 and debt settled.
Now in September 2010 I recieved letter from Citi saying they had sold debt to Cabot and a letter form Cabot asking for the balance that was wiped off with IVA.
I contacted Cabot in September and again in October and sent letter, IVA completion certificate and copy of credit file explaining this debt was not owed. On the telephone they agreed this money was not owed and saif that Citi had sold a number of debts that where satisfied, my IP also confirmed they ahd a number of calls the dame day I rang with other people also getting this letter to say Cabot had bought the debt and by reading another forum I know this was a problem for a lot of people.
Now today 6 weeks after last speaking to Cabot I checked my credit file and Cabot have put a defualt on my file in October for this debt. I am so mad after all the hard work getting credit files sorted there is now a default on it again.
so my question now is "who do I contact about this"
Citi who sold a debt that was cleared and complain to them or Cabot who I have already asked to sort it and although they said they had they have not. Can I go direct to the credit reference agencies and ask them to remove the default ?
Sorry for the long post just cannot really do with the hassle of this.