Hi All I had a consumer credit agreement with Hitachi that I didn't make the last payment on. I wasn't aware it was a CCA at the time and didn't pay as I thought the service was unsatisfactory. Anyways turns out it was a CCA and there is a default against me on my credit file. I paid it off £55 (and the £200 charges) as I thought this would improve my credit rating as Im going for a mortgage. It didn't! I asked them to remove it - they refused. I requested a copy of the default notice as I NEVER got one and they have sent me a letter clearly saying no default notice was issued, the reason it is on my report as a default is because the the term of the account expired with an outstanding balance?? Is this how they are getting away with issuing defaults without sending default notices now? Any advice of how I can get this removed as Ive tried the letters threatening OFT etc and they are just refusing to reply or talk to me now - HELP!!