instant cash loan london

I just received a letter back from experian and they want me to include reasons why two TLs are inaccurate.
First, and I have shared this before, the first 60 days after I defaulted, I was told there was no special payment plan, and no hardship plan, to help me.
I was banned from Christine s website for making a joke about getting into the the 700 club!
How can the OC send me a BILL saying "due upon receipt" - past due amount - and at the same time, turn it over to collections?