Good Morning,
I am back after somewhat a long wait for my SAR request to finally be fulfilled.
Unsurprisingly I did not receive all of the information that I requested.
I received a photocopied credit agreement with my name and address filled in and a jd williams company signature but no date and no signature from me!
I received a statement of orders which showed one order placed totalling c £92 on 25/04/2007,
with a statement beginning 03/2009 with a balance of c £300
making its way through to the end of 2010 and a balance of £960.
Ten times the original order amount, made up of PPI and charges.
JD Williams say they last received a payment in 2009 which does not show on the statement of account.
A default was then placed on my credit file more than 18 months after they claim they received the last payment from me,
the default currently shows from Lowells however despite asking for a notice of assignment this was never received.
I believe there are many problems with this account, that incidently I paid off in 2012 when my finances were better.
I believe they should have applied the default within 6 months of my defaulting the account.
I do not feel that it is appropriate that the debt registered ended up 10 times the actual borrowing.
I feel that the credit agreement is not applicable as it shows no date or a signature from myself.
I am not convinced that Lowell bought the debt?
The long and short is that I wish to have the default removed from my credit file,
can anybody advise me as to where to go from here please.
Sorry so longwinded.