Hi DiscoDav, Thanks for that.
I just got a letter from them yesterday, stating this was their final response.
It was passed the 4 weeks they said the would respond and for some reason they said they were responding to an email I sent them,
I've never emailed them in my life!
I asked them for a true copy of the signed and executed agreement for the alleged debt
and current statement of the account along with all other related documents.
I also included a £1 postal order to cover the costs.
All they sent me through was the loan agreement dated 3/09/2009,
the default on my credit file is dated on the 26/09/14
(i wasnt aware a default can show on your file after 23 days).
The thing I'm most annoyed at is as I was getting a mortgage 3 years ago
I referenced my credit file to ensure I was all ok.
Everything was and I got my mortgage but
ow I'm looking to remortgage and I'm afraid I wont be able to as this Default has just appeared after 5 years
with no warning or no communication.
I spoke to the Ombudsman and they said they would find it hard to deal with this
because the head office for Pounds till Payday is in Malta and out with their jurisdiction.
I'm looking to know from anyone out there,
Can MMF slap me with a default after 5 years of no communication at all from the original creditor?
Is there anything else I can do?
Or do I just pay the amount and wait till the defaut becomes statute barred in September
which I really dont want to do.
Also Is it true that a debt becomes unenforceable after 5 years in Scotland?
They had the cheek to send me back the postal order I sent them,
which is now useless as it is addressed to them, as a good will gesture.