TxtLoan/MyJar

[FlibbertyGibbet]

Hello,

 

I got a copy of my credit report from Noddle, and say a default for a company called MyJar. I had no idea who they were, and the address registered I moved away from 2 years ago, so I was a bit confused.

 

I wrote to the managing director, and he said that a colleague would be in touch.

 

No one was in touch, so yesterday, I emailed back to ask that as they had not provided the information, could they remove the information from my credit file.

 

Naturally, I got a reply within the hour. Oh they emailed on 30th December, have I checked my junk file?

 

Anyway, the email reads as follows;

 

Thank you for your e-mails.

 

Please note that we sent you an e-mail on 30 December 2015 to advise you of the account and it’s status. In case you have not received it, it may be in your “Junk” inbox.

 

Your loan was formerly with TxtLoan Limited but was transferred to MYJAR Limited on 28/02/2015. The loan was originally for £100 requested by you on 18/03/2011.

 

 

Your loan reference number: 18###

Your current outstanding balance: £200

 

I have attached to this e-mail a breakdown of the balance and your electronically signed credit agreement.

 

The previous balance was £247, which was also used to register the default. However, recently we have removed the debt collection fee as our debt collection partners were unable to come to an agreement with you for the outstanding debt and the outstanding balance is currently at £200.

 

Please let us know if wish to repay the loan as a single instalment or if you would prefer a repayment plan with monthly or weekly payments you deem affordable.

 

Additionally, you can always get free independent help from a number of sources such as:

 

...

 

I look forward to hearing from you.

 

Best regards,

 

Now, it is possible that I did get a loan from TxtLoan at the time, I honestly don't remember. I know for sure I haven't heard anything from them or MyJar over the past 4 years. The agreement sent over by email is with MyJar (a company I had never heard of until I checked my credit report), is not 'signed' and is dated 18/03/2011.

 

Is it possible to have an agreement with a company that didn't exist at the time that the agreement was supposedly 'signed'? As I say, the agreement doesn't have my name at the bottom part, where it should be signed...

 

I'm basically just really confused about who these people are that have registered a default on my credit file, and are now after £200!

[dx100uk]

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=myjar&sa=Search+CAG&gfe_rd=ssl&ei=emHpVv34HseCaIGpqegD#gsc.tab=0&gsc.q=myjar&gsc.page=1

 

 

dx

[FlibbertyGibbet]

Ok, so what I can gather, they're wrong in putting a default on the account in May 2015, when the actual date of default would have been much much earlier than that?

 

And they should have sent a default notice?

 

I'm not sure where to go with this now though.

 

I had looked through a number of threads before posting...

[FlibbertyGibbet]

Oh, and the fella I emailed originally was Paul Smith, their compliance director, he passed it to someone else.