Hi guys I'm a newbie so if I've posted in incorrect forum I do apologise. I defaulted on a welcome finance personal loan back in December 2007, I didn't realise this until a few weeks ago when I got my experian credit report. I got out the £750 loan in May 2007 straight after I paid my other loan with them off, the previous loan was for £4000, I paid that no problems, no late payments nothing!! Once I received the next loan I changed my mind, i didn't want it as firstly i lost my job and wasnt going to moving which is what the money was going to be for, so sent a cheque back during the 14 day cooling off period. I received no communication from Welcome Finance at all, I moved from the address I took the loan out in May 2008 and have since moved another 3 times and now live in a totally different city. When I came to look at the credit report the default date like I said above is December 2007 and the value that I apparently owe is an astonishing £2225!!! So I have just been looking casually on this site on how to rectify such errors, but i know the default will automatically drop off in 18 months anyway. But the more worrying thing is that I went to visit my Dad today at his house which is where I took the loan out, I had a piece of mail there which I found very odd. I opened it when I got home, it's another default notice from welcome finance for exactly the same debt dated last month!! Is this legal?? I know how shady welcome finance are, the contact info on the letter conflicts with each other as well as the address for welcome finance is right as its in Ruddington in Nottingham but the phone number is for a debt collection agency in Kettering?? All very odd. To make matters worse I just started a new job at experian 2 weeks ago so don't want this incident to jeopardise my new career!! Any info will be greatly received Nat