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

No need for the sarcasm i did look on the site for the option to register before posting.

I would also like to know this as lowell took over my HSBC account which has now been settled and the default from HSBC removed but Lowell has placed a default on my CRF without any notice. Can they do this?

Hi the link in the first post requires a user name and password to view the PDF Please help

Hi Guys, been reading lots around the forums on this here is my situation. Default 1 - Halifax Current Account Default registered 08/07/2007 for £1,503.00 due to student overdraft account. In Oct 2007 i was awarded £999.18 reclaim of bank charges but stupidly did not insist a removal of the default. I have since wrote to them asking out of goodwill if they could remove the default as the account is now settled and was made up mainly of charges. They replied that they would not be removing default as it was not made up wholly of charges. I have replied today with two letters one more forceful claiming a breach of s.10, the other the first letter template from here Remove Default Notices on a Credit File - We show you how Default 2 - Lowell Financial This relates to a debt sold by HSBC again for a student overdraft account. It has also since been settled and the account closed. As the entry on my CRF is made by Lowell Financial who i have never signed any documents with or never recieved a default letter from them can i have it removed. I have also sent letter 1 from the learnmoney site to them. Default 2 - Voadafone As the amount was only small i wrote a letter asking that as the account was now settled if they could remove the default as a gesture of goodwill Have recieved no reply and followed up with letter 1 from learnmoney Please can you give me your opinions and advice on the 3 accounts as these defaults are currently stopping me from obtaining a mortgage. Thanks in advance Paul