First I want to thank all those in advance for their help and support.
Also please note that I have debts but due to domestic and employment circumstances I am now in a case of hardship and I have always paid my way in life. ( like you all reading this site, I hope we agree we are responsible people and nobody stands in judgement of others).
After reading many threads. Can you advise if I am on the right track
Experto Credito.. found a default on my credit file for 400.00
sent letter 8th July requesting copy of CCA and copy of default.
Experto acknolwedge letter saying account on ho