Did you get any further with the ICO?

So it's been over 30 days since submitting a complaint and have heard nothing from ICO. What should I do now?

Hi Baggie, Did you speak with the ICO? I'd be interested to hear what they said as I am in a similar situation as you and have submitted a complaint in writing which is currently being processed.

Thanks guys. I have submitted a complaint to the ICO. I'll update when I hear back. Thank you again! B

So I received this response from MMF a few days ago.. "Thank you for your recent communication with reference to your credit file. Having reviewed your account, we can confirm that the information which we have shared on your credit file is correct. We purchased this account from Cash Genie and are therefore the legal owners of this debt. We have tried to contact you prior to the account defaulting, however, our contact attempts were unsuccessful. As no contact was received, we sent a Notice of Default letter to your postal address. Your account was defaulted with the credit reference agencies after we did not receive a response within the timescales stipulated in the letter. We are obligated to report factual information and are therefore unable to remove this record from your credit report. We are sorry that we cannot be of more help." No communication was made what so ever contrary to what is said. So straight to ICO?

Thanks, sorry I didn't mean to hijack. So for the letter, does this sound right?.. To whomever it may concern, I have recently discovered that you have placed a default on my credit file (attach screenshots of default) with Experian, Equifax and Call Credit. I believe this to be in error as I have had no dealings or communication with Motormile Finance, nor any other credit provider from whom you may have obtained data where a default notice has been issued. Given these entries are inaccurate and unlawful, I must request that they are removed in their entirety within 14 days of this letter. Failure to do so will result in a complaint being submitted to the Information Commissioner's Office in addition to my seeking compensation through legal action. Kind regards, B

It's showing as Short Term Loan on my credit files so assume it must be. Thinking back the only payday loan I've ever had was a Cash Genie loan when I was at uni, but that was paid off in full and on time. There's absolutely nothing else.

How did you get the OFT to step in?

Hi Guys, I am in the exact position as baggies2016! I checked my credit files (experian, equifax and call credit) as I am about to apply for a mortgage and can see a default has been placed on all three dated last month for £150! This will ruin my chances of getting a mortgage and I have no idea what this is for. It states the start date of the account as 2011. I have never had a default before and certainly wouldn't risk one over such a small amount. Reading through forums after googling them I am very worried as it appears that this is common practice for them. Can I ask what you wrote in your letter to them and what I should write to the ICO? Desperately needing some help here Cheers, B