Hi So, got Experian involved and within 3 days, the Default issued by them had been removed. LOL is all i can do to that. However, i have a balance still with them according to Experian. Today, i received a letter from them saying 'we know its been over 8 weeks and we still havent replied, if you want take it to the Financial Ombudsman'.. or thats the summary of it anyway. What are your thoughts? Still had nothing from them and i think they are just pratting about now Thanks in advance

I sent the letter that you suggested writing, regarding requesting unequivocal proof of the debt within 7 working days?

Hi Yes, it was sent on the 16th and received on the 17th, signed for and i have the electronic signature saved. I still never received a response about their investigations that should take 4weeks maximum! Cheers

Hi All Right, the letter was posted as a signed delivery, and guess what, I've never received a response from them. So, any suggestions what i can do now? Cheers

Coolio, thanks for your help. I'll send it on Monday morning and let you know the response i get ( if i get one) Cheers

As far as i am aware i have paid all my debts off. CoG LTD are Peachy, and i know i they were on the list to be paid and as far as im aware i have done. So is there anything i can do with MMF? given there reporting is wrong/never sent me a breakdown of where fees/Default Notice doesnt tell me anything?

MOTORMILE FINANCE UK LIMITED Who's this? Entry Number: C24 | Account Updated to: 04/05/2014 Account Type: Pay Day Loans Started: 13/06/2012 Current Balance: £1,457 Default Date: 14/07/2012 Default Balance: £265 View Account Status Details: Account Status Details (1-12 months) Last updated: 04/05/2014 Status Code: Balance: £1,457 £265 Thats all the information on the file from Experian (without my address lol) I dont recognise the debt, as i paid off all my debts about 2 years ago (there were several). So any advice moving forwards?

Hi Guys Right, been on Noddle. Cash on Go LTD registered a Default on there on the 1/8/2012, yet have never spoken to me? And has a balance of £265? MMF registered a default on CreditExpert on 14/7/2012, and has a balance of £1457. So.....now i appear to know where its origins come from.... why have i never been sent something from CoG LTD, how are the values so different and how can MMF change the date to before COG Ltd?

Hi Brigadier The default was never on my credit file until MMF posted it. So i have no record of who it is with or anything, as all i got from them was an account number and an amount due. I dont have the CRA file so i cant tell you who is on it as the orginal creditor. I will make the amendments you have suggested though

Hi All Sorry for huge delay getting back to everyone. Sent the above letter. Got standard crappy response about taking 4 weeks to reply... no reply. so just about to send the below: I am writing in response to a letter dated 11/6/14, from 'Pat Lee', relating to a previous letter sent from me dated 4/6/14 regarding an account you claim I have with yourselves. I still refute any involvement with yourselves and do not under any circumstances acknowledge this Default Notice. In the letter, you informed me that: 'We anticipate being in a position to answer your complaint, fully, within the next 4 weeks. However, should this not be possible we will send you a further letter advising why we require further time to investigate and when we believe we will be in a position to fully answer your complaint'. As of today, I still have not been notified in any form by yourselves as to whether you have investigated it or found an answer as to your unlawful behaviour. My initial complaint was regarding the unauthorised and illegal Default Notice that you have served on my credit file to an account I have no knowledge of from yourselves. I would like to stress as well however you have to date failed to supply a signed credit agreement under the Consumer Credit Act 1974 so i respectfully request that you supply this documentation to allow me to view the terms i am alleged to have breached. I enclose £1 for a return envelope towards myself, and will allow up to 14 calendar days for this to come into my possession from yourselves as given in the Consumer Credit Act 1974. If this is not received within the 14days, I must insist that the Default Notice is removed from my credit file as previously requested due to your failure to comply with the Consumer Credit Act 1974, and failure to provide a lawful and truthful Default Notice in its full form as described in the Consumer Credit Act 1974. If this letter is ignored and not responded to in the correct manner, I will be forced to begin legal proceedings against you.

See, this is the problem CitizenB is saying they can issue defaults, Dx, you're saying they cant. Does anyone have a link to what the law stipulates with interpretations?

Hi again, Just seen someone comment this on another thread: 'For a start it has been issued by a DCA(NDR). DCA's cannot issue a default notice unless they are the "creditor" as defined by the Act. Clearly they aren't. INVALID' Sorry to be a pest!

Hi Even if they are not the creditor, they can still issue them despite the original creditor not issuing one? Alot of people have said they cant issue it, hence im getting a bit confused! I have had PDL's in the past, but were all paid off along time ago. This default is nearly 2 years old according to my credit file, but only appeared in May of this year. I have not had a breakdown of the charges or fees, when it was issued or who the debt was, or when they bought it and any proof of an original signed document by myself to prove i have a debt. It almost feels like they are basically just trying their luck at getting me to give them some money!

Hi All Bit confused as im getting mixed answers reading online. I have no knowledge of a debt that MMF are declaring i owe them. Recently, they issued a default on my credit file. I have no idea who the original debt is with, but thats besides the point for now. Is it legal for a DCA to post a default on my credit file? If yes or no, can someone link me into the law that declares that answer; as im going round in circles trying to find an answer! Thanks for all your help

Hi All Thanks very much for your help. Just having a quick look at my report as well, it says the account was updated on 6/4/14. However, i have a PDF file of my credit report from the 24/4/14 and its not on there? Can anyone explain how that works? or am i missing something blindingly obvious? Thanks again to everyone!