A long story but I'll cut it short - years ago my DH took out loads of loans for things for his mum. On one of these he didn't make payments and about 2 years ago he received a letter saying to that effect because it had defaulted years ago.
This was a Welcome Finance loan that had been sold to another company. I attempted to claim PPI back and asked the third party to give us a copy of the original documentation as my DH can't remember taking out this loan and says he didn't receive warning of a default / debt sold etc.
Neither Welcome Finance nor the new company can find the documentation - they supply documents dated a year earlier with a different reference. I believe that in this case they then can't continue to ask for the money and they should correct my DH's credit record.
The FSCS has investigated the PPI claim and said that my DH is owed 2k in compensation, but this will be off set against the defaulted account. But again because my DH doesn't remember any of this and they can't provide the documentation I think he should be paid what he is entitled to without any off setting.
I'm now stuck as to what I can do / should do. Any advice?