I am new to these forums and to be honest, I am new to anything to do with my credit report. The following is the situation I find myself in, I had an unpaid Payday Loan with Wonga, I never received any mail electronic or otherwise and I actually forgot about it. I had received an email from a Gothia limited stating I was owe them £2109 and at the time , emailed them asking to provide the information as to who this debt was originally owed. They never provided or replied to my request. Upon checking my credit report, I had noticed that a debt had been defaulted for the sum of £2109 but marked as satisfied by Gothia - Default was issued on 23/06/2010 and the account updated as satisfied on 17/11/2013 I accepted this and assumed that I would just have to wait out the time for the default to be removed. WRONG - next thing I knew I started getting what appears to be the usual harrasment from MMF. After enduring this for some time and not knowing what or who MMF were I checked my credit record on Creditexpert to discover that MMF have registered a default against me for the sum of £2109. The default marked as satisfied by Gothia for the same amount is still on my credit report. I am looking to buy my first house and already had 2 satisfied defaults in the last 5 years and really didn't need this latest one from them appearing on my report. Is there anything I can do to get these clowns to remove this default as I have read through these forums and from what I have picked up, if there is already a satisfied default for that account, they can't just buy the debt and add a new default for the same amount? Where should I go from here? I wrote to credit expert asking to put a note beside the defaults to explain the situation and now have to provide them with information for what account it relates to. I also sent the following letter to MMF and received no reply from them : Misrepresentation of Credit File Data. Sir/ Madam, I have become aware that MMF Ltd is causing inaccurate and misleading data to be published by experian credit reference agencies. 1. I believe this account was defaulted 23/06/2010 under Gothia LTD and not a new one on 06/04/2014 as stated by MMF Ltd, I am aware that some companies claim that a ''new'' default can be placed when they acquire an account this theory is of course total nonsense as I am sure you are aware. I am unable to perceive the reasons behind MMF Ltds actions in regard to this account which was in dispute and obviously sold off to yourself because it was being disputed. I am preparing a report on MMF Ltd and its conduct which will be sent to the OFT/FCA and the Information Commissioners Office. I expect a prompt reply, removal of the default and written apology from MMF Ltd for its despicable and misleading misuse of the data. I also request that all further communication be by post due to harassment by telephone. This was sent to them on the 9th May and I have heard nothing from them Please Please Please help me find a way to get them to remove this default. Regards