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thepalace1 v Express Gifts

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Hello all, hoping somebody can offer on going assistance regards my current struggle against the CRA's and Express Gifts.


I requested all 3 CRA's to remove my default against Express Gifts (Studio) as I never gave them permission to process or share my data with the CRA's.


The CRA's all said they cannot do anything even though I never gave permission, I certainly never signed a credit agreement with Express gifts.


I sent a CCA s 78 request and received some stuff today







As you can see, the agreement they send is not signed by me, and the default notice, is just an example of the ones they send, (one i did not receive by the way)


What could my next move be in getting the defaults removed, can anybody offer assistance in this magnificent forum.


Thanks in advance



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