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  1. Hi again all. Alphera finance have put a default on my credit account, firstly for £2054, then amended to £900 The only thing I have ever had with them is a car that was on hire purchase, which i handed back under the "halves and thirds rules" as i had paid more than half the total amount payable. this was all done in writing and the car collected. A few months ago i found the default, i wrote to them over 60 days ago with an SAR request, which they cashed the cheque for £10. I have heard nothing. I spoke to them and they asked why i wanted the information and what i wanted!I explained i wanted every document, every letter both sent and received etc. Still nothing, the default is still showing and i need it removing. I dont owe this at all. Any advice on my next step?
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