I have just sent a SAR to tesco mobile including the £10 fee, I really need to get this default removed from my wife's credit file, we need to remortgage our buy to let and our residential and the difference between the interest rates is 1000's.

The DCA is ccs collect, they have only sent us one email regarding the matter which my wife actually thought was spam and put into her junk folder, the £20 is really not the issue, I have no doubt I could just simply ignore this matter and would never have to pay the debt, the issue is the black flag on the credit report, if that remains on the report then It will cost us thousands due to not being able to get the best mortgage deals. It did surprise me that we got refused a mortgage because of this, which is ultimately the reason she did a credit report in the first place, we both have very good credit history and this one black flag is the only negative on either of our credit files.

Hi Hoping for some help regarding this matter. My wife had a Tesco Mobile contract, it was £10 per month. The contract started on the 23rd August 2011, the contract was for 24 months and ended towards the end of August 2013, she called Tesco at the end of September to cancel her plan as she wasn't happy with it, she was told she needed to make a further 2 payments towards the account, she stopped using the sim, waited for 2 more payments to come out of her account and then cancelled the direct debit. We moved house and so she hadn't received any letters from Tesco regarding this, she assumed this matter was resolved. Fast forward to the 21st of November 2015 and she did a credit search as we had been turned down for a mortgage application, she found a default on her credit report for £20 owed to Tesco mobile. She has contacted customer services by phone and many times by email, they keep stating they have no record of her cancelling the account and that the account has been passed to a Debt Collection Agency, they say she needs to settle the account with them and they wont be able to take any action on the account. This is the last email she received from them, they keep saying the same thing over and over. She followed up with the following but I cant see it getting anywhere, what should I do now? I can't think of any way to prove that we cancelled the account, she stopped using the phone 2-3 months before the direct debit was cancelled, this has ruined her credit score for £20.