In 2008 I was made redundant and unable to make full repayments on my loan/credit card. Sainsburys agreed an arranged payment plan which I religiously paid. I have since paid these off. When obtaining my credit report recently I was horrified to see that Sainsburys have recorded a default notice against me each month for 5 years which has prevented me from getting credit over the years. I also had to take a high interest mortgage because of this. They have not recorded any of the payments I made to them. They have also recorded conflicting information on both credit agencies!! They have also recorded different outstanding amounts on the credit reports. I have made enquiries and if a payment plan had been agreed they are not allowed to register a default notice against you. What have Sainsburys done to rectify this... Nothing so will now refer to FOS for guidance.