Hi there, I will try and be as brief as possible with this. Here's the deal: Originally applied for a loan with Minicredit 04/03/11 and was declined. Re-applied and was granted loan on 04/07/11. Sent notice of cancellation within 14 days, as per CCA 1974 on 12/07/11. At the same time informing Minicredit, as per rights under that act, repayments would be made within 30 days by Faster Payments, and could they please supply bank details. I also informed them that I no longer authorised them to use my card details. Here's the breakdown of events: 04/07/11 Received £130.50 (£150 less £19.50 deducted without an explicit acceptance of that) 12/07/11 Notice of cancellation given 05/08/11 Minicredit takes £85 from my debit card having still not forwarded bank details 10/08/11 Minicredit takes a further £50 by debit card It was at this point, having repaid £135 which was in excess of the £130.50 I had received that I refused to pay them any more until they agreed that the total payable (as calculated via their website) was £189. Thus I believed I actually owed them £54, but they had received more money than they had paid out (as well as a random £2.50 fee for something). Minicredit claim that my cancellation was incorrect as it was after 14 days from 4th March 2011 when I originally applied and was rejected as that agreement was in force. Well, if that agreement was in force, how come I couldn't borrow against it? AND, why did I have to signed another pre-contract agreement and Minicredit perform another credit search before being allowed the funds on 4th July 2011? They continued to bombard me with calls telling me how many hundreds of pounds I owed them ... Anyway, wind forward 600+ days and I checked my credit file with Noddle and discovered a Default from Minicredit for £547! I didn't even bother writing to them as I'd got nowhere chasing them for months long before. So, instead I wrote to Callcredit with a Notice of Dispute. Minicredit didn't reply within 28 days (there's a surprise) so then entry was suppressed. However, when they did reply, they sai they thought it was valid and thus Callcredit unsuppressed it. I have outlined by grievance about the default to the ICO following their complaints procedure, and included that with my letter back to Minicredit, but suffice to say Minicredit are sticking to their guns, although I now supposedly owe them in excess of £800. My question is how do I resolve this? They say they will not remove the detault without full payment, which is ludicrous. I assume I need to take them to court, and I have no issues with doing that, it's the how I am not sure of. What exactly do I claim for and even then, would that get the default removed? As far as I can see, of OTF664, they have flouted at least 2.2, 3.3j, 3.3k, 3.3l (your number is still listed as an 0871 number), 3.5g, 3.7a, 3.7o, 3.11a and 3.11d yet still think their action is valid. Please help! Thanks, Tim.