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Hello everyone looking for a little legal help with a company called Txt Loans now owned by a company called MyJar anyway in April this year i noticed a new default listed on my credit file to MYJAR for £554 default date March 2015 i have had no payday loans for years as iv'e been trying to sort my life out and finally getting somewhere so this was a huge shock. After searching online other people have been having the same problem that TxtLoan was issuing defaults on peoples credit files dating back 3-5 years which is shocking also making out like you had only just started missing payments. I complained to the FOS who said they have had a few people complain and made the company change the date to the June 2012 when this so called debt happened. The next week the whole debt was then fully removed from my file and that was the end of it so i thought to find today that they have re added the debt dated 19/06/2012 £554 MYJAR with no default this time just 1 month missed payments in 2012. I have today been in contact via email asking this company what there playing at and asking them to prove that this debt is mine and i owe this money. They have replied with a credit agreement from back on the 19/09/2011 for a £100 loan so i asked why the date is diffrent to whats on the credit report and why is it now £554 they then sent me a statement for the £300 loan and it now stands at £554 with charges and intrest applied they also show they charged me £50 for 2 letters that i never received. This company state that the credit agreement i signed when i first applied for a £100 loan back in 2011 is still applicable for this £300 loan that i took out months later even though the £100 loan had been paid off in 2011 ? I was under the impression that every new loan needs to have its own credit agreement unless its a rollover loan could someone just correct me if i'm wrong please ? She then went onto say that in fact no default had ever been issued to me and claiming it was to the credit reference agency was a mistake but stated it could still be done further down the line ?
She then offered me the chance to set up a payment plan and refused to remove it if i paid in full it would just show settled id rather it not be on my credit file what so ever so could anyone give me a little advice on what i can do next to get this resolved and hopefully fully removed from my file
Thanks In advance
She then offered me the chance to set up a payment plan and refused to remove it if i paid in full it would just show settled id rather it not be on my credit file what so ever so could anyone give me a little advice on what i can do next to get this resolved and hopefully fully removed from my file
Thanks In advance
