I have just spoken to welcome finance compliance department,and they have told me that the last payment was made on this account on 28/05/04 for £70,not the 26/08/05 for £15 as originally stated,they have sent me a letter with all the information requested on,but as yet have not recieved it,so they are going to send me another one out.They also stated that the account was originally sold to DLC not HFO,i did ask why the default was put onto my credit file nearly a full 2 years after last payment and they seemed unable to answer that,can anyone tell me where i stand with regards to this and also the matter of welcome originally selling the debt to DLC not HFO.