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Default notice on my Credit file

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I have a default notice on my credit file from a group called Compello group.


Seemingly they have acquired the 'debt' from Welcome finance and have a default notice that they have dated 2010.


The debt is from a HP agreement for a car, which was given back (they collected it) after just over half was repaid.


I have had no dealings with Welcome since that day.


Although unsure of the year the car was picked up in, it was definitely picked up at a house I stopped living in over six years ago.


I have been in touch, for quite a long time now, with a rep from Compello and after treating each other nicely with pleasant emails back and forth, she has mailed me today to say Welcome have confirmed that the default is from 2010 yet have offered no paperwork to back it up.


I have been in contact with her since August to get this far, what can I do now because I know that everything about this is wrong.

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Have you sent a Subject Access Request to the Original Creditor? That will return a Default Notice. Default Notices should be issued within 6 months of the account reaching a dfaulted stage.

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