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  1. First of all, Hi!! I will apologise if this is the incorrect place, I did look up & down the topics and couldn't see one that matched up with my query. I have a DEFAULT on my Experian credit report from Sander & Kay T/A Jacamo for a grand total of £2240. I have never dealt with these people as explained below. I moved into my current address July 2012. I received a couple of letters ref this account soon after I moved in but I ignored them thinking they cant be for me, I've never held an account with them. In fact, I've never had a "catalogue" account as I would call them with anyone. The fact its a mistake or identity theft, where do I stand with this? Im now looking to move from rented accommodation & buy my first house. This somewhat isn't going to help me. I've no idea where to start with this which is why im asking for your advice. The default was registered 3/8/2012 and since those last letters last year, I've heard nothing. I have just read a thread on here in regards to Sander & Kay being useless which has not gave me the greatest confidence but id rather do it right from the outset. Thanks in advance for any advice on the matter. Regards M
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