When filling out the reply form box D, do i just put 'the debt purchaser has yet to provide any or all of the required documentation.'

No it all came to a head suddenly, the ratesetter loan was probably the last one I obtained. I had no defaults at the time it was taken out, but was certainly in an overdraft with 4/5 credit cards and 1 other loan.,

Got into difficulties due to severe gambling problem. Had multiple credit cards, loans digging holes to feed the habit. The OC was made aware of this. Fortunately I've come out of the other side and now clean, not having any access to credit was the answer, but I'm expecting an avalanche now as I have multiple defaults.

Thanks for the reply. I will get the reply form filled in and sent within the 30 days. Yes SAR previous to this. Original account was loan, with RateSetter (Metro Bank plc). 2018 Defaulted 2022 after paying token payments for 6 months. Not paid anything for approx 18 months. DCA called ACR Europe chased me with letters, emails calls for 2 months. Ignored, no contact. Debt sold to Perch Capital January this year and ACI took overl Regular letters, emails and calls from these, and then TM legal , who have sent the letter of claim. No contact from me at all and no payments.

Good Evening, I have been checking through paper work I received from a creditor (debt was unsecured loan, classed as 'peer to peer lending') after I made a subject access request, and I noticed that the default notice they sent me states all the particulars of the loan, but has my current address, when in fact the loan was taken out at my previous address. I informed the creditor of my change in address. The account has been passed on to various debt collection agency's, and the current one is turning up the heat and has sent a letter of claim. Should the default notice have included the address where the loan was originally taken out?