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  • #1

    New Account On Credit File

    Hi Everyone,

    I checked my credit report tonight and found that a new account has appeared with a defaulted balance from 2008. The account is owned by Provident and I have never had any dealings with them. Do they buy old debts? I did have a defaulted account with a similar balance which disappeared from my file ages ago.

    Thanks in advance for any advice

    Beefy
    Tags: account, address, advice, credit, date, debt, debts, default, defaulted, letter, lowells, nice, niddy, provident, purchase, questions, update
  • #2
    Re: New Account On Credit File

    Who was the debt with originally? Yea they purchase delinquent debts.

    When you say it's vanished ages ago - was the default from 2008 regardless of when it vanished?
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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    • #3
      Re: New Account On Credit File

      Thanks for the reply Niddy.

      If it is what I think it may be, it was originally M&S subsequently with Lowells.

      The default date of 2008 would be right.

      Can an account vanish and then re-appear under a new name?

      Thanks again.

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      • #4
        Re: New Account On Credit File

        Yes it can so long as the default date is the same hence my previous questions.

        Ignore it. It won't affect you and expires next year
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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        • #5
          Re: New Account On Credit File

          An update on this one...

          Provident have sent a letter to my previous address saying they have decided not to pursue the debt and that will be marking the account 'partially settled'.

          It will be SB in 2 months anyway but nice of them to let me know I guess!

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          • #6
            Re: New Account On Credit File

            Lol result
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #7
              Re: New Account On Credit File

              Brilliant Beefy, I do love good news
              "If wishes were horses, beggars would ride"

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              • #8
                Re: New Account On Credit File

                Originally posted by Beefy1976 View Post
                Provident have sent a letter to my previous address saying they have decided not to pursue the debt and that will be marking the account 'partially settled'.
                That's damn decent of them! Result!
                When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


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