I do not have the details right now. The debt was on a Debenhams credit card that I purchased at a Debenhams store in April 2014. I didn't realise it was a credit card until I received the monthly payment and a fine for missed payment. I thought it was a "nectar" card instead. I received a phone call from D. and I paid the sum they required. I specified that I did not want the card anymore and I asked the customer service operator to close my card. I was under the impression that the card was going to be closed at that point. I receive a further request of payment from D. in the october and back then, I tried to figure out why I still had a debt pending. I closed the card "again" and payed my fine again. I am sure that I have no pending issues with D. at the moment as I have received a written letter of confirmation that my card is closed and my debt cleared. Unfortunately Equifax weighs this issue very heavily against my credit score. I feel that Equifax judgement of this event is far too severe.
Yes, it's Equifax own score. What do you mean by external?
I will check with Debenhams and clarify if it is a default or a missed payment. Thank you for your advice. And happy 2015.
Can I clarify anything else for you/
No thank you.