1. Were the agreements in your name? And importantly, do you recall signing anything? 2. How long ago did you make the last payments? Is there anything still outstanding on them? 3. Have the accounts been cancelled or are they still open? hello 1. the accounts where in my name but i did never agree or apply or sign for them. 2. I paid in full in august 2009 3.they have been staisfied but still have defaults showing and in various telephone conversations with them discussing that they where not mine they refuse to remove or say they cant remove the defaults!!!! many thanks

Hello everyone, I have been helping myself to advice that you provide for few months as trying to get some fraudulant defaults removed. My story starts when i went for application for a rented property and was refused via credit check. Upon checking my credit file i have 3 defaults from 3 different catalogues, littlewoods, jd williams and marshall ward for which i have never used. Contacting them they refused to remove them or discuss any further until i had provided them with evidence of my place of residence during one period as jd williams was taken out at my work address where i was bar manager. I have no bills or evidence as been recently staying at parents after my divorce so been here there and everywhere. Back to point i reluctantly paid all debts off in full totaling £982 just so i could get on with my life and also with the lies of they will be removed but they are still there and now they are saying that because i paid them i have taken responsibility for them. Feel so stupid but just wanted it resolving. I have reason to believe the debts where taken out by my ex partner who would have had access to my home, work and details. But she will not comment! PLEASE HELP i just want to get on with my life thank you