Hi Tim,

It wasn't letters, (its O2 as well not T-mobile) you log onto their website and view your bill that way and you get messages as well. Thats where the chasers were. They dont send letters or emails (only if in reply to one you send them) or make calls to you, hence why I was annoyed, if they had sent me one chase I would have paid the £8. They expected me to log in after I had cancelled my contract randomly to make sure there was nothing due!

I havent got a copy but can get them there was two chasers two weeks after payment was due basically just stating that my balance was overdue then nothing until the default I saw on my credit file.

When they send a default notice are they supposed to make sure I've received it i.e. does it need to be signed for or anything?

I will e-mail them requesting a copy of the default and chasers again etc, but word it more strongly as per your suggestion above.

Thanks

Mark