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Littlewoods/Shop Direct/NDR defaulted me after the 12+2 expired


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All being the same company of course, have put a default on my credit records in may 2009 according to the graph bit, before that the credit score shows as unknown). However the written part of my credit record says the default notice was put on the account on the 26th September 2008. I have never received the CCA, the SAR or any default notice from them.

 

They also claim to have not received any of the letters I have sent after august 2008 despite me having sent them recorded delivery.

 

What should I do now?

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Oh just to add the 12+2 working days was up on the 4th July 2008.

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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