Thank you for this good advice. I will write to them using recorded delivery.
i will also write to ICO and FOS.
I raised the issue with Experian and they have got back to me to say SMF have said the default notice is correct and has to remain on my file.
I replied to Experian to say I have have no notice of any bill or money outstanding and despite requesting this nothing has been sent. Although, since joining this forum I now believe I owe nothing to this company.
i will get letters sent immediately
Kind Regards
lynn