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Topic starter
14/11/2014 1:48 pm
Hi all,
I was discharged on 23/05/2013 and I'm now trying to rebuild my credit rating. I have just signed up with Noddle and it is showing 2 live defaults (both of which were included in my trust deed)
One of them I don't recognise - thinking it is Egg - does anyone know who this is?
Pco Holdco Sarl C/O Watch Portfolio Management
And why would the Lloyds debt be showing as default for the last few years when it was included in the TD? How do I rectifiy?
Thanks in advance
14/11/2014 2:10 pm
Hi beerdrinker.
PCO Holdco is a debt purchaser I think. I'm sure other members have contacted them for this same purpose in the past - hopefully someone can give you a pointer in the right direction. It could very well have started off as an Egg debt.
The answer regarding Lloyds is simply that they haven't applied an update to your credit file. The default notice should be marked "satisfied" or "partially satisfied" at the point you were discharged.
You'll need to contact these companies to request that they update your credit file.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
14/11/2014 2:27 pm
Thanks for your response, I'll attempt to contact them and see if I can't get rid!
Cheers
20/11/2014 12:45 pm
Hi Beerdrnker, they appear on mine as well and it was originally an Egg Debt. Oddly enough it appears as an unsecured loan despite the fact it was a credit card. Not sure if it makes much difference right enough.
