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 (?? ) £143.00. updated 07/04/2013 and of course MH address added to heading re addresses. Credit Report Aug 2013 Studio acct removed. MH entry all same as June 2013.

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 heading re addresses. Credit Report Aug 2013 Studio acct removed. MH entry all same as June 2013.

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 removed as the 6 years passed - but now I have the same debt from a new date Please can you please help, is this correct? legal? Thanking you all