subscribing

Excellent! I think that i get the idea now. Thanks Car2403 you help has been invaulable the SAR will be in the post tonight. I will keep you updated and following your progress with your cases in the meantime Thanks again Paul

Cheers for the advice Postggj. I dont intend to i have put up with this rubbish for long enough. Do you have a thread about your case? Thanks for your help.

HI Car2403! Sorry to be a pain but would you advise sending SurlyBonds letter as well as the SAR?

Wasnt just me then. I still have not found the register link but this is what i have been told is required on a default notice. Please add or correct as you seem fit. Hope it helps. A Default must contain a number of regulatory requirements. That it is served under the Consumer Credit Act, the demand must say who you are, delivered to where you live (or work), who the creditor is, their address, how to contact them, what is owed, what it is owed for, when you must pay the amount by and what will happen if you do not pay i.e. “if you do not pay £100 by 12/11/99 we will take legal action”, and finally that you should seek advice…

Cheers Car2403! You have been a great help so far. Letters will be drafted today and get the process started.

Also another quick thought before i fall asleep, RE: Default1 i have a claim case against Halifax Credit card account for over £1000 i am just about to escalate the claim to court as i dont think CC fees are affected by the OFT case. However i would be happy to drop this claim if halifax remove the default relating to my current account. Is this a feasable tactic and should i include this in my letter tomorrow?

for defaults 2 and 3 would it be preferable to send a SAR rather than request the documents by using the the SurlyBonds Template?

subscribing looks like same process i might end up going through with Vodafone. Good Luck Car2430

subscribing sounds like same process i will have to go through with vodafone Good Luck Car2403

Thanks for the advice Rory i will draft and send my opening salvos tomorrow. Going to proceed on the following course of action. Default 1 - Halifax Current Account Question default as being unlawful due to being made up of unlawful charges therefore a breach of data protection act Default 2 - Lowell / HSBC Current Account Request of origninal agreement and default using Surley's template Default 3 - Vodafone Request of origninal agreement and default using Surley's template I will keep everyone informed. Also any answers to my previous question - Does a default remain on file 6 years from the date of default or the date of settlement?

Sorry Rory thanksfor the update

Hi Fantasy let me apologise for my post I was not having a go and appreiciate all the excellent help and advice that you guys give It is no excuse but I have had a really tough couple of days of reading all that I can on the site regarding removing 3 satisfied defaults from my file 2 overdraft accounts and a vodafone contract. I am attempting to buy my first house and they are proving a problem. I regiestered a long time ago on this site when i initiated my charges claims and never thought ihad much to add constructively so didnt seem fit to post I feel like i have read the whole forum but just keep going round in circles, and to cap it all the space bar on my computer wont work properly. I have started a thread so people can check my progress http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/123573-3-defaults-remove.html#post1282738 Apologies again for any offence caused

Thanks for your advice Car2403, i have read through many threads tonight where you have been helping newbies like me. I have spent all night reading various threads on the forums and have come to the following conclusions please could someone confirm if they are correct and maybe point me in the correct direction as to the methods to use for each default Default 1 - Halifax Current Account Am i correct in saying that it would be a waste of time requesting the original credit agreement and original default notice as it does not matter with current accounts? As it is not regulated by the CCA Therefore the best course of action would be to claim that the default was inaccurate because the majority of the default amount was made up of unfair charges that have already been refunded? If that is the case would i send a s.10 notice or pursue with surley's letter? Default 2 - Lowell Financial Not sure where i stand with this one or how to start the procedure. I have never recieved any correspondance from Lowell regarding them serving a default so is that the best way to attack? Default 3 - Vodafone As with D1 are the requests for the credit agreement and default notice requests a waste of time and if so would sending surleys letter be my only option? Also - Does a default remain on file 6 years from the date of default or the date of settlement?

any thoughts