I have just received a notice of default from vanquis , the balance outstanding was 1900 , i used to pay via direct debit, but lost my job , and have not been able to afford payment in the last 2 months, the default now says my balance is 2464.59. about 500.00 extra charges!! and now gone even overlimit,
I have also moved addresses, don't know how they discovered my new address, i don't remember signing any agreement, and i have paid them a lot over the years in interest via repayment.
Vanquis is not on my experian credit file at all, i've checked..... can they give me a bad credit ? CCJ ?
I have a clean payment record, can they give me a bad one on my file even though they r not on my file lenders list ?