Many Many Thanks !! x I shall get writing, and keep you posted. Am I really allowed to ask for compensation? Would they pay? I have been very upset about this, and I have had next store card drop my credit limit for no reason, so believe this false record is why.

Hey Brig....you have a life , and are helping me so please please please note you have nothing to say sorry for x

Thanks. It's all like a foreign lang. to me so having to learn lots quickly.

Thank you, yes Brig is being most helpful, along with others. I am very grateful. I would/will send full and formal complaints - just need help with who,where and how. Appreciate your input x

Thank you so so much, whenever you are able will be appreciated x

PLease can you help with a letter, I do believe they have done this. The info was taken from my Experian Credit Report in Feb 2012. Acct was started 02/11/01 Studio mail order ( not JD - I was wrong) and defaulted on 01/07/07 £143.00. Updated 28/02/2010 Same Credit Report June 2013. Acct started 02/11/2001 Studio mail order ( not JD- I was wrong). Default date 01/07/07 £143.00. Updated 28/02/2010 Then I found this added in June 2013 Credit report Acct started 11/02/2001 ( they changed months and day around) Mackenzie Hall Debt Purchase Mail order. Defaulted 04/01/2012 (?? )

The info was taken from my Experian Credit Report in Feb 2012. Acct was started 02/11/01 Studio mail order ( not JD - I was wrong) and defaulted on 01/07/07 £143.00. Updated 28/02/2010 Same Credit Report June 2013. Acct started 02/11/2001 Studio mail order ( not JD- I was wrong). Default date 01/07/07 £143.00. Updated 28/02/2010 Then I found this added in June 2013 Credit report Acct started 11/02/2001 ( they changed months and day around) Mackenzie Hall Debt Purchase Mail order. Defaulted 04/01/2012 (?? ) £143.00. updated 07/04/2013 and of course MH address added to hea

Please can anyone help or guide me. I have taken responsiblity and worked hard to improve my credit rating. I had a debt with JD Sports, which was one month from being removed from my credit file ( the 6 years up ). I noticed a new message on my file saying alert, and a purchased debt was made from the JD debt by Mackenzie Hall. I noted the debt was added to my credit file with a new default date...Like now. How can a debt with all but 1 month left to reach the 6 year limit be purchased and then false default date given? I check my file again and the JD one is remov