Hi Pugsley, Thanks a lot for your reply. Can you explain, though, what an s10 notice is and how this will help me? Cheers

Hi everyone, I am trying to get a default notice removed from a account I held with Style Financial Services. I sent the standard letter (using the template on this site) and got the following reply: Dear Sir, Thank you for your letter concerning information held within the credit reference agencies for your store card account. Your request for documents contains some misconceptions about your entitlement to information in a specified form and our obligations to supply that information. As you are aware this account was fully repaid, and closed, therefore, there is no active agreement between Style and you with regards to the above account. The consumer credit act is for active agreements and therefore we are under no obligation to provide you with the requested documents as your obligation to us under the agreement has ended. I am unable to send you any default notice letter. I can also confirm that your account has not been sold. Yours sincerely, Mr X Collections Dept. Can anyone advise me what to do next? I am not sure how to respond to this letter?