ok well thanks for that info i will read into it

OC as in original creditor? sorry i am only new to this site and dont know the lingo, do you mean if they have charged me any penalty charges? are they allowed to charge me penalty charges? is there anyway they can remove the default by law?

Can you give me some advice on what i should do next? thanks

here are the screen shots

are you saying they do not have the right to default me?

It could of been when they where part of red castle as well because I remember I got a letter from them as well, i rang red castle in the past to sort it out but got no where they were really hard to deal with

Hi i got defaulted by Gothia on 2 accounts, both for payday loans under £300, one for wonga and one for another company i can not remember as it was in 2010, i have asked by phone for the defaults to be removed, they definitely no!! can i ask for a default notice as i can not even remember getting them, i have paid off one of the defaults and i currently am paying off 20 quid a month for the other one, which is down to 160 pounds at the min, since it is such a small amount if i wrote them a letter do you think they might remove it? they are the only two defaults i have plus i do not have any other debt with anyone else, this is really effecting my credit at the min, can i do anything at all?..... .. any advice would be appreciated, thanks

Hi i have two defaults with Gothia, do i have the right to ask them for a true and signed copy of the original default notice? how do i go about this?