Hi
I haven't received a Default Notice (I thought the first letter was it) or a Termination Notice, Notice of Assignment I have never seen any but I assume I would know if I had received any. It seems very fishy to me I don't have the arrangement in writing for the £40 a month but when I called them last on the 3rd of august he said he can see the arrangement was made but "has likely failed a review afterwards" I said could I make a new arrangement he said "he couldn't now as the account has been defaulted and the debt passed to a third party" and I should wait and the collection agency would contact me shortly I also asked who has it been sold to he said he doesn't have that information and I would have to wait for them to contact me. He also said "Im really sorry about that" which made me think straight away he knows they have made a mistake.
Do you think I should do a subject access request? would this give me all their notes before it goes any further.
Thank you The Mould you have been a great help.