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Hello everyone, new here and looking for some advice. I think I may have actually overloaded my brain over the last few days reading through all the different threads. I hope I'm posting in the correct place (first post) my query relates to a default placed on my credit file in Feb 2011 by Raphaells Bank (CCRT). This was originally a Monument credit card, default amount is £1533, credit limit was £750. My question is, who do I send my request to for the original agreement, as I don't think Monument actually exist anymore?