I ust have photgrapher friends that is all...

Meagain - are you good looking? I know people who would pay good money

ecobabe - have u found the answer to this... check the legalitities sction - there is loads on there

Please let us know. just because they can produce a CCA agreement, it doesn;t give them the right to put a default on your account. ig they cannot produce a Default notice (before late 2005, banks tended not to keep a true, signed copy - they have tightened up their act now) then they don't have a leg to stand on. Don't be fobbed off when they try and send you a "template copy" NEo

Surly bonds, I have just received an interesting letter from natwest Credit Card Services - who's Litigation agreed in writing to originally agrered to remove a default... which they haven;t done yet.. so i chased them with a letter to customer services. I have received an a reply with a very interesting paragraph; "In accordance with an agreemment set up between the British Bankers Association and the Data Protection Registrar, your detials will remain registered for a period of 6 years from the date of registration. This Areement carries full approval of the Office of Fair Trading." I would love to read a copy of such agreement. Maybe it was done over a round of golf? Neo

Glad this post has been of help. These comapnies will not be able to supply incorrect information about us much longer i expect... Keep us informed of your progress... Neo

Surly bonds, just came to this post yesterday after been on in it's early days. Thank you for your intuitive posts. Please let me know which "Copy of Law book from Amazon…£19.95" - I would like to buy it. I would also be willing to help/fund/take part in any action/campaign against the CRA's if you decide to take that step. I hope we can organise something soon.

Hi, Yes sorry I haven;t updated. Natwest Credit Cards have wrote back saying they will remove the default and ALL adverse info from my records... I am going to send a copy to all 3 credit reference agencies just in case they 'forget' to remove it. Thanks!

Thank you... this is excellent and a lot clearer. Last question (it's good for bumpign up the post too) - could this be, in your opinion, applied to any default - as long as the contract that was signed agrees? ie a default which was applied within the contract as opposed to after the contract was cancelled?

xr537, Great writing and great work. One thing I note which could also work is, if I decide to take the plunge (I have the right to from the DPA) then if I decide to change my mind, I equally have the right to change back to automated decisions? Sounds good if that is the case!

Thank you for your answers, most appreciated. Last two thing si promise... just working out whether to take the plunge! Firstly, I noticed that orange put some entires on your credit record AFTER you had changed it... does this mean thaty entries can still be placed on it (I would want this to happen to gain a good credit history) Secondly, THe credit accounts you have applied for, were any of them instant, online decisions? That is some awesome information you have provided us with which i expect credit reference agencies would rather us not have... Thanks again

xr537, Genius I must say, I was looking at the same sections in the DPA, but couldn;t work out a way to apply them. I think the questions on all our minds are: a) Have you applied for credit since you have 'cleared' your records, b) Have you checked your credit records since? What does it show, just blank or have the simply made the adverse info 'good' c) Finally, do you know if your credit records still exist? Thanks

Hiya, I would leave it as is, because that fact is irrelevant really. I have had a default wiped off mty credit record last week using this letter. Nice

Hey no problem, keep us informed to your progress and I have a letter 2 which i have used in case they come back and play dumb, etc. Good luck

Date Account Number/Reference: Dear Sir/Madam, After recently obtaining a copy of my credit file from Expedia, Experian & CallCredit [Delete as appropriate], I am concerned to note that your company has placed a "Default" notice against an account I held with you. Further to this, I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 cheque to cover the statutory fee. 2. Please also supply me with a signed, true and certified copy of the original default notice. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. I would request that this data is provided to me within the next 14 days. If you are unable to provide this data then I require all adverse information to be removed completely, including any defaults that may have been applied. Please note that mere correction or amendment to the entry will not be acceptable. Yours faithfully, You Please remember to put the cheque in for £1.00! This letter has worked for next Directory and Natwest Credit Cards

I think the best way to get this one removed is to write a letter to them asking them to provide you with true, signed copies of the following; The original credit agreement The Original Default notice If they can't provide either of then the default is illegal because of different reasons, so you need to post when you get a reply. I will copy/paste an example letter i wrote if you would like to use it.? It has worked twice for me... Neo

Things have been moving a bit slowly as I have been working away lately and stuff. But in regards to my claim with Lloyds TSB for around £3600, i have received a Notice of Allocation to the Small Claims Track. Everything looks fine, they have set the date for 23 August 2006 at Harrogate county court (North Yorkshire, for all of you that have not heard of Betty's Tea Rooms!) The only section I am a bit unsure about is "Each party shall deliver to every other party and to the court office copies of all documents (including any experts' report) on which he intends to rely at the hearing no later that 14 days before the hearing." The only evidence I can think of is the spreadsheet with charges on... but what else do i need to send along.. I can hardly print out all the Acts they are going against can i?! Although I do think they will settle before the court date, I need to get this sent off just in case.. Any help would be most appreciated... Thanks, Neo

A settlement will be with you soon. Corbbetts just dig in their heels and take all the time in the world, but they know the inevitable, as do we.. Clairus99, what does being an Entertainer entail?

Thanks guys for your replies, I had left sincerely in the original letter as it was going straight back to a lady who is fingers crossed going to be sending an offer through!

Go to google and type "mismanaged endowment" Seems there are companies out there stating they can claim back thousands, i am looking into these at the moment...

Hi, I have been drafting a letter ready to send after I have been settled as I thought I would deal with money and credit record seperately... Any opinions would be most welcome: Dear Sir/Madam, Thank you once again for your settlement in regards to the above claim, I have written to the court requesting them to discontinue proceedings. I note that Natwest have placed adverse information on my credit records in regards to my credit card account I held with you. As a customer of Natwest, I consented in my contract with you to the disclosure by you of certain data to third parties, and at no time did I consent and neither was it within the contemplation of the parties to the contract that I did consent to the processing by you of that data in any manner which would be unfair or inaccurate or which in any way would breach The Data Protection Act 1998. I would like to bring to your attention Section 14 of the Data Protection Act.: 14. - (1) If a court is satisfied on the application of a data subject that personal data of which the applicant is the subject are inaccurate, the court may order the data controller to rectify, block, erase or destroy those data and any other personal data in respect of which he is the data controller and which contain an expression of opinion which appears to the court to be based on the inaccurate data. As previously stated, your charges are unlawful at Common Law, Statute and recent Consumer regulations. As these charges are unlawful, then the information which you have passed to any credit reference agency is incorrect. Also, from the Data Protection Act: 14. - (4) If a court is satisfied on the application of a data subject- (a) that he has suffered damage by reason of any contravention by a data controller of any of the requirements of this Act in respect of any personal data, in circumstances entitling him to compensation under section 13, and (b) that there is a substantial risk of further contravention in respect of those data in such circumstances, the court may order the rectification, blocking, erasure or destruction of any of those data. The default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity, caused directly by the taking by you of penalty charges which you had applied unlawfully to my account. I now require all adverse information to be removed completely, including any defaults that may have been applied. Please note that mere correction or amendment to the entry will not be acceptable. You have 14 days to comply with the above request. If I do not receive a satisfactory response within this timeframe, then I will, once again, proceed with a claim in court. Yours sincerely, Neo, The One.

Alan, Any chance you could point me to the relevant section in the DPA? I can;t find it and am working on drafting a letter to get defaults removed from my Credit Record. The problem is that I have claimed the charges first and then will go for the removal of any adverse info. Thanks...

In short... yes. But please read the FAQs as this will answer all your questions. Good luck.

Hi all, I am hoping for some input here. As I am coming close to a settlement soon, I hope, with Natwest for around the £1900 mark. I am wondering, after the settlement, how would I go about getting any adverse credit refernce information off my file. The way i see it is, the amount reported is incorrect, therefore unlawful and not valid on my credit file(s). Also if the charges were not applied I may not of been late or overdrawn, etc. therefore the information would never of been applied in the first place. The question is what is the best approach to this, after getting a settlement? I did not include this in my original claim, so can I restart the process but just for removing adverse info? If I can, is it possible to start a money claim application without claiming an actual monetary value? Thanks in advance..

mountainofdebt, Yes send the letter, get the full amount - it will "pay off" I'm waiting for my cheque still! Fingers crossed!