Hi, I was checking my Noddle report and noticed a default by MyJar dated March 2015. At first I was confused as I had never heard of this company. Anyway after a quick google search they were related to txt loans with who I did have a loan with back in August 2011. I checked my old email account that I no longer use and noticed that they had sent me a default notice December 2014. The amount was for over £600. The original loan was for £300. What really frustrates me is that I did have serious financial problems in 2010/2011 however they have since passed. I was kind of seeing the light at the end of the tunnel with the defaults now becoming 4/5 years old. This newly registered default will now be on my credit file until 2021 which is a bit upsetting. Is there anything I can do about it? I sent them an email threatening ICO, trading standards, financial ombudsman and all sorts but they just replied back with.... The reason that the default has not been registered before now is that we have only recently begun sharing data with a credit reference agency. It was not therefore possible for us to register defaults before that time. Now that we do share account information with CallCredit, we have become obliged to send them updates and, where an account is seriously in arrears, to register a default.

any advice would be appreciated here: TXT Loans sold the debt to Equiddebt who sent numerous texts and phone calls daily, I spoke to them and asked them to send me a copy of my signed agreement etc.. . received email saying they had requested this from TXT Loan 15th April and the account was on hold - Heard nothing since until an email today from TXT loan saying that they had transferred this debt to a new collection company - forwarded TXT loan the email from Equidebt who then responded straight away apologising and saying they wanted to come to arrangement with me direct to clear the debt - I asked for a copy of my signed agreement of which they emailed a pdf document which just stated 'signature of customer' not even my name! their response is below: Thank you for contacting us. Although we have not supplied you with a signed copy of the Credit Agreementbetween Txtloan Ltd and yourself the client we have provided you with areconstituted agreement based upon the contract between us. This agreementreflects the contract that was signed electronically by you on 21/08/2012. Theprovision of a reconstituted agreement in this manner was accepted by the HighCourt on 23 December 2009 and being sufficient to meet the requirements of theConsumer Credit Act 1974. Kindly inform us how you wish to proceed. any advice would be appreciated here - the original loan states £200 but they are now asking for nearly £500!!!