Update: The Financial Ombudsman service instructed them to put the correct date on my credit file, this has now been changed to early 2012. They agreed that it is unfair for MyJar to be stating the default date inaccurately as it was not my fault they were not exchanging data with CRAs until 2014. I can only advise that anyone with the same problem takes it to the FO as what MyJar are doing to people is deplorable.

You need to contact the Financial Ombusdman. They have a team specially for PayDay Loan issues. My complaint is still being handled by them as several other factors have arisen with MyJars conduct towards me since. I am sure we are not the only two people they have done this to so the more that raise a complaint the better.

Thanks for your reply! There never was any payment at all, at the time I was advised by the CAB to cancel my debit card to stop all my money being taken from me each month and then to address each company. TxtLoan got lost among my many loans. The summary on my file shows no data prior to Nov 2014, then shows the £272 up until last month. After looking through many forums for help, it's seems that many have received default threats from them but I cannot see anyone saying they have actually had the default posted to their file.

Hi, thanks for your reply. Should I email them/send a letter outlining that it is unfair and ask for a CCA? Or something more formal? Thanks!

The account start date is 30/12/2011 and listed date of default is 10/02/2015. I never made any repayment due to it getting lost in my multiple loans at the time.

Hi there, I am looking for advice on whether i have any chance of getting a default removed that was been placed on my credit file last month, 4 years after the account was opened and no payment was ever made. The company is a PayDay load lender, MyJar (formerly Txtloan), and at the time (2011) I was in financial hardship. The original loan was £100. Now at a balance of £272. I have record of sending them an email in early 2012 requesting they freeze the interest due to my money struggles. I did not receive a reply. During this difficult period I was juggling many payday loan lenders and as a result this particular one was forgotten about. I never received any letters or emails from them regarding a statement of intent to issue a default. I have not changed any of my personal information but I have moved and my mail is redirected to me. I received 1 email from Lucas 12 months ago offering me options of payment but i only found this by searching my inbox so i must has missed it at the time. Since then I have turned over a new leaf financially and have managed to pay my outstanding debt in order to rebuild my credit and ensure that it is not harmed any further. Feeling like i will be in financial jail for a fresh 6 years is devastating as I was hoping to buy a house in the coming years after the last of my known defaults dropped off. Can i dispute this based on the length of time and the fact that I have not received any fore warnings? Advice much appreciated! Jen