Appreciate your help Brig, will get back to them, just one point can i request a copy of their proof of default notice, i assumed it was an integral part of the process to have the default notice and if i did not receive one then it cannot be a valid default?

I believe these are on my file as i went in the red on my bank account, didnt realise that gets put on file with Experian!! Best stop going in the red!!

I have received the SAR back from the company, there are two 'NOTIFICATION OF INTENT TO ISSUE COUNTY COURT PROCEEDINGS' Letters dated 8/12/2011 and 21/10/2011 There are no other Default notices or other metions of a default apart from one internal document called a customer status report that states a default with default date being 8/08/2011. The date of the default on my credit file is 31/07/2011 which is before any mention of court and even a week before when Lex Autolease recorded on there system the date of a default. Does this mean they have not issued me with a default notice as there is nothing else in the SAR relating to any official request for monies? Credit File info below: Default Date: 31/07/2011 Default Balance: £22,006 Satisfaction Date: 29/02/2012 Outstanding amount on their internal paperwork is £3553.44 but on my credit file it says £22,006 Any help would be greatly appreciated.

[ATTACH=CONFIG]40335[/ATTACH]I have just checked my file with creitexpert and the past 2 months i have late payment from HSBC showing on my account, i dont owe them any money?? I have gone into the red but paid all charges etc during that period. I have a HSBC credit Card but that is listed seperately as satisfatory? What payments could they be marking as late, i have no overdraft, it is just a normal current account.

Latest update, i sent my last letter on 23/11/2012 and received a reply by letter on 4/12/2012 acknowledging receipt of letter and request for SAR, they confirm the request will be processed, it is now 1 month later and have heard nothing else, should i chase this?

Thanks have sent letter back today with another reference number on from one of the direct debit references.

Just received a reply back from BlackHorse finance. I refer to your recent letter. Having undertaken searches of our systems, unfortunately we have still not been able to locate an agreement for you with the information that you have provided. With my SAR i sent my name, address and the reference that was on a previous letter i had from them, surely they should be able to track it from that, i am fairly sure they can look up a customer from name and address, their filing system cannot be that antiquated?? I will write back again and find some other references. Do i have to give them 40 days again? Seems like they are trying to flog me off, sent my original request and cheque back also.

Appreciate your help, i have sent the SAR request now and will report back in 40 days or sooner.

I used a slightly different template from another site and only sent £1 postal order which is apparently the statutory fee for paperwork? But was sent recorded delivery and signed for, does this mean i have to start again? Regards

I have sent two letters now requesting the information and they have not replied to either, 40 days are now up!! What is the next step? I sent both letters recorded delivery and they were both signed for.

Thank you for your reply, i have requested documents from Lex and will let you know if i receive a response.

I have just checked my credit file after a rejection for one of my business bank accounts. It is showing a default on the account. The default was for some car finance a few years ago from Lex Autolease, although i did miss a few payments towards the end of the lease, the Lease finished in April 2011 i withheld paying them as there was a dispute in the final fee which they adding additional costs onto. The default went onto my file in March 2012 11 months after the lease had finished. I had another dispute with them as well when they took the car back 2 days before it went to auction i managed to halt the auction as they had not returned my personalised plate worth £3500!! i eventually got that back. As soon as they agreed to take off the additional costs they applied to the account i paid it all off and as such the debt was satisfied. Unfortunately i no longer have any paperwork from them as i assumed it was all old stuff. Would i have any chance of disputing this default as it is causing me major problems on an otherwise clean credit file.

Was looking forward to a day in court!

Do i need to submit the statements? The only ones i have are the print outs from the bank when i started the claim. Probably about 140 pages :o

Thanks, i have all the documents, brush up my silver tongue and watch the pennies roll in!! If anyone is about could do with a little support on the day