Oh, and the fella I emailed originally was Paul Smith, their compliance director, he passed it to someone else.

Ok, so what I can gather, they're wrong in putting a default on the account in May 2015, when the actual date of default would have been much much earlier than that? And they should have sent a default notice? I'm not sure where to go with this now though. I had looked through a number of threads before posting...

Hello, I got a copy of my credit report from Noddle, and say a default for a company called MyJar. I had no idea who they were, and the address registered I moved away from 2 years ago, so I was a bit confused. I wrote to the managing director, and he said that a colleague would be in touch. No one was in touch, so yesterday, I emailed back to ask that as they had not provided the information, could they remove the information from my credit file. Naturally, I got a reply within the hour. Oh they emailed on 30th December, have I checked my junk file? Anyway, the email reads as follows; Thank you for your e-mails. Please note that we sent you an e-mail on 30 December 2015 to advise you of the account and it’s status. In case you have not received it, it may be in your “Junk” inbox. Your loan was formerly with TxtLoan Limited but was transferred to MYJAR Limited on 28/02/2015. The loan was originally for £100 requested by you on 18/03/2011. Your loan reference number: 18### Your current outstanding balance: £200 I have attached to this e-mail a breakdown of the balance and your electronically signed credit agreement. The previous balance was £247, which was also used to register the default. However, recently we have removed the debt collection fee as our debt collection partners were unable to come to an agreement with you for the outstanding debt and the outstanding balance is currently at £200. Please let us know if wish to repay the loan as a single instalment or if you would prefer a repayment plan with monthly or weekly payments you deem affordable. Additionally, you can always get free independent help from a number of sources such as: ... I look forward to hearing from you. Best regards, Now, it is possible that I did get a loan from TxtLoan at the time, I honestly don't remember. I know for sure I haven't heard anything from them or MyJar over the past 4 years. The agreement sent over by email is with MyJar (a company I had never heard of until I checked my credit report), is not 'signed' and is dated 18/03/2011. Is it possible to have an agreement with a company that didn't exist at the time that the agreement was supposedly 'signed'? As I say, the agreement doesn't have my name at the bottom part, where it should be signed... I'm basically just really confused about who these people are that have registered a default on my credit file, and are now after £200!

The V5c had the correct address on it as I changed it when I changed my driving license.

Thank you for replying! My main worry is the fact they are threatening to get someone round to break the locks. But if they're not legally allowed, then that's less of a worry. I contacted B&S about the council tax either at the end of last year, or the beginning of this to offer £10 per week, but they said it wasn't enough, and instead wanted something like £30. I've sent the agent another text asking if I should contact the office, and again he's tried to call (I'm not planning on talking to anyone over the phone!), but I've also emailed the office and copied in the council, who I intend to contact separately about the matter. I've been in my current place for over a year now, so I should have had something regarding the parking fine from the council, but all I've had was an email from B&S. I'm not disputing any of this, I want to sort it out, but it's scary having people threatening you Part of the reason I refuse to speak on the phone with them is because I know I'll be cajoled into saying I can pay more than I can afford. And obviously I want a record of everything!

Hello, I am in need of desperate help! When I returned home yesterday, I had a letter in my postbox from Bristow Sutor from one of the enforcement agents. From what I can see, I have had a PCN and an outstanding council tax bill from my previous home. The letter is notification that my goods now belong to the agent, and I'm not allowed to remove anything etc etc etc. One of the highlighted parts is that I will be liable for any fees for getting a locksmith to basically come and break into my house. Herein lies the problem. I live in a fully furnished rental property, which is classed as part of the large house at the top of the land. There are 4 properties with the same address. I have never spoken to the enforcement agent (aside from last night when I text him asking for more information, after which he continued to call me, despite me asking for a reply text or email), so I'm not actually sure how he knows which of the buildings is the one I live in. As the place is fully furnished, I own nothing of any value, the TVs in the place do not belong to me, all kitchenware belongs to the landlord, as do the washing machine & drier. I own a car (valued at £175 by my insurer, which I need for work as I live in the middle of nowhere, 9 miles from my place of work). I am actually moving at the end of this week. This has been arranged since well before I got this letter. I definitely don't have enough money to pay the debts in full (totalling over £800). I suffer from chronic clinical depression (diagnosed over 12 years ago) as well as acute anxiety, so clearly, I can do without this, on top of moving house and a whole load of other family related stuff I'm dealing with at the moment. I have logged into the BS website (which is how I got the information that it's for 2 seperate things), and there is no payment plan option available anyway. Please someone help! I'm so scared!