I know now who they are and can pay the full balance but I feel they have not given me the chance to pay this before marking my credit file with a default.

I'm told they should send me a letter first giving me 28 data to pay.

Not in an IVA. But how can I pay for this default if they don't write to me so I know who the debt is linked too.

Until this happened my recovery was almost complete now it's back to square one if only they wrote to me.

I don't have anything in place as the as the agreement was broke at a time when my circumstances were not great 3-4 years ago. And I have never received any letters just the odd harassment text. Should this company have given me a defaul notice letter first giving me 28 days to pay the debt off beca...

Hi everyone, I need a little help, I have a had a few payday loans 3 to 4 years ago of which I have not heard anything from and they wasnt paid because I got myself in a mess. The payday originally defaulted or agreement broken in November 2009, now this has been passed on to a DCA and they have def...