thanx for your reply gizmo will keep you posted:D

As i said in my other post i wasnt aware that i couldnt apply for credit fair enough.The only debt that was in arrears was a loan the rest of my creditors were fine i owed them money but wasnt in arrears and they accepted my dmp fine.when i make my offer to the bank, my other creditors will also be made an offer too as i want to come out of the dmp, i am aware i cant make offers to just 1 creditor.I have only 2 defaults at the moment and 1 is due to an admin error which i will get removed,hopefully i can get this removed fingers crossed anyway,also the rest of my creditors are listed on my credit file and all have stated that my payments are up to date and that i havnt missed one or a late mark and myfiles have all been updated to this month so i dont think i will recieve a default from them. also i am sure that my bank will go for the first option as its a £35000 loan and all there bothered about is getting there money back in full rather than a iIVA where they will recieve probaby less than half of the debt or bankruptcy where they will recieve nothing, for this amount im sure they will care!!!!!

sorry i realised by the time i wrote it, it was in capitals and it was too long to delete!! really??? ive never been told i couldnt apply for credit???????? i got a contract phone in october after the plan was set up whoops!! The default was issued beginning of jan 2007 and applied for credit all this yr mainly. maybe i shouldnt go for compensation as i shouldnt be applying for credit in the first place eh? but should i still go for just the removal of the default?

BEEN READING MOST OF THE NIGHT ON WHAT I DO NEXT I AM GOING TO SEND A PERSONAL LETTER STATING HOW I GOT INTO THIS MESS AND THAT IT WAS MERELY THE MONTHLY INTEREST RATE THAT TOOK ME OVER BY 12P!!!!!!!!!!!! AND IF THEY HAD GOT THE ACCOUNTS IN ORDER THIS WOULDNT HAVE HAPPENED. THIS ACCOUNT HADNT GOT INTO ARREARS DUE TO A BOUNCED CHEQUE OR A RETURNED DD THIS ACCOUNT AS ALWAYS BEEN IN GOOD WORKING ORDER!! AS WELL AS THAT I AM SENDING THE s10 LETTER FROM THE DATA PROTECTION AS WELL AS GO FOR COMPENSATION DUE TO THIS DEFAULT!!!!!!!!!! I ONLY GOT MY CREDIT FILE LAST WEEK AND REALISED I HAD A DEFAULT NO WONDER I HAD BEEN REJECTED IN THE PAST MY SCORE WAS SUPERB BEFORE!!!!!!! I NEEDED A NEW CAR AND WAS REJECTED NOW I KNOW WHY!! BECAUSE OF THIS I COULDNT DO MY JOB IV ALWAYS DONE WHICH IS MOBILE REHABILITATION AND OBVIOUSLY YOU NEED A PRETTY DECENT CAR FOR THIS , SO I WAS UNABLE TO GO BACK INTO THAT WORK ALSO AFTER SPLITTING UP FROM MY PARTER I NEEDED TO FIND SOMEWHERE TO RENT AS I COULDNT GET A MORTGAGE AGAIN AS I HAD APPLIED FOR CREDIT AND BEEN TURNED DOWN SO MANY TIMES DUE TO ADVERSE CREDIT I NEVER KNEW ABOUT, I WAS ADVISED NOT TO APPLY FOR CREDIT FOR A WHILE AS THIS IS NOT GOOD ON YOUR FILE TO KEEP APPLYING. AFTER FINDING A RENTED PROPERTY I WAS TURNED DOWN DUE TO MY CREDIT RATING!!!!!! SO NOW I HAD THE WORRIES OF LIVING ARRANGEMENTS, LUCKILY I HAD A REFERENCE FROM A PAST LETTING AGENCY I HAD USED SO I MANAGED TO GET A PROPERTY AS THEY OVER RULED THE ADVERSE CREDIT AS I HAD A GOOD REFERENCE PHEW!!! THEN I DECIDED TO GO INTO PARTNERSHIP OF SETTING UP A BUSINESS WITH SOME ELSE IN MOBILE REHABILITATION EVERYTHING WAS SET WE GOT THE FUNDING FOR IT RROM THE GOVERNMENT AND EVERYTHING WAS READY TO GO, WE JUST NEEDED TO OPEN A JOINT BUSINESS DEPOSIT ACCOUNT BUT I WAS TURNED DOWN DUE TO MY CREDIT FILE, THEREFORE IT LEFT ME NO OTHER ALTERNATIVE BUT TO PULL OUT AS IT WOULDNT BE A GOOD IDEA THAT MY PARTNER HAD THE BUSINESS ACCOUNT IN HER SOLE NAME AND NOT JOINT AND IF ANYTHING WERE TO HAPPEN I WOULDNT HAVE A LEG TO STAND ON WHERE THE MONEY WAS CONCERNED SHE CARRIED ON THE BUSINESS ON HER OWN AND THE BUSINESS IS UP AND COMING!!!!!!! LASTLY THE CREDIT I CAN APPLY FOR IS THE ONES THAT HAVE SILLY APR WHICH I CANT AFFORD GOD YOUR FILE CAN REALLY MESS YOUR LIFE UP!!!!!!

Thank You Caro !!

Thanx For Replying What Does That Mean The Loan Is Enforcable??????????

Just Wondering I Owe A Huge Loan To Them And I Mean Huge!!!!!!!!!!!! I Am Paying Them A Monthly Fee Through A Debt Management Plan. After Being Advised I Needed To Go Into Arrears By Yorkshire Bank!!!! I Then Could Go Ahead With The Plan Which I Did, I Then Recieved A Bloody Default!!!!!!!! Im Going To See The Bank Manager To Arrange A Payment Plan Personally And Make Them A Decent Offer To Pay This Off. If They Come To Anarrangement Can I Ask For The Default To Be Removed As Part Of This Plan!!!!!!!!! If Not They Have The Following Options A) I Declare Bankrupt And Thay Get Nothing B) Go For A Iva And They Hardly Get The Money Back C) Carry With The Debt Management Plan And It Will Take Me 300 Years To Pay Off Yes 300 Years Hee Hee Surely They Will Go For My Personal Agreement On The Grounds The Default Is Removed And Not Any Of The Other 3????????? They Have To Take Into Account That I Was Advised To Go Into Arrears By Their Advisors And Wasnt Told I Would Be Defaulted

Thank You!!

LONG STORY BUT HERE GOES....................... having got into financial difficulty i decided to set up debt management plan i had 9 creditors which i payed an equal amount to every month, this started sept 2006. because its only fair i had to include every creditor in the plan whether or not i was in arrears, only 1 had fallen into arrears!!!!. anyway one of the creditors was my current account with overdraft facility which was still active and in good working order, my overdraft was into £400 and my limit was £420. anyways i was advised not to use this account by the debt management company as the bank i held this with would probably try and take money out of it for the 2 loans i had them with 2 (the loans were included in my plan) so i didnt use the current account and knew the overdraft would be paid off as i was chipping away at it every month by sending them a payment through my plan, and remember account overdrafts dont require a minimum payment each month you can pay this back anytime. for some strange reaon they were not recieving the monthly payments even though the loans i had with them went through ok and because i was nearly up to my limit, the monthly inteest took me over where i was charged and then charged on a daily basis. After stating i was sending them a monthly payment they wouldnt listen and then they closed my account and demanded payment for the whole lot!!! the total was £800 mostly charges!!!!!!!!. they eventually started getting my monthly charges in march even though i paid them since sept the year before!! the debt management company phoned the bank stating this and the bank admitted that plan had been put on hold and in a back log!!!!!!!!! even if they had decllined the monthly payment offer which they shouldnt have as its not a minimum payment account only a over draft, the debt company still throws the money in their faces which they did indeed take!!!!!!!!! they just didnt simply credit it!!!!!!!!! i have evidence of all of the above on paperwork that i have never missed a monthly payment and that it started last september, there is evidence that the bank took the payment but has it in another account waiting to be credited from last yr!!!!!!!!!!!! so as you can see this has not been my fault if the payments would have gone through correctly at their end this account would not have gone into arrears as it was in credit and still active. i have now all these charges and a default!!!! do you think i have a good case for sorting this?????????? do you think i can get my default removed as the default was due to the communications and admin errors at yorkshire bank???????? lastly if the default is removed will it stay on my credit fILE??? i hope not as this was different circumstances than usual defaults and a admin error hope u understand all this crap hee hee cos its baffled my head !!!!!!!!!!!

Thanx For Your Reply I Did That Going Into The Bank And They Said £10 Each!!! Cant Do The Internet Banking As That Account Is Closed Now

Hey Thanx Everyone You Are All Nice, Will Keep You Posted Hee Hee:d

Hiya I Know About The Sar Letter Reguarding Claiming Charges Back But Im In A Different Situation Im Wanting To Dispute Something That Happened On My Account But Need To Clarify The Certain Dates That This Happened, So I Need Me Statements From The Last 18months As I Cant Remember The Month Dates. Was Told I Can Get Them At £10 Each!!!!!! But Im Aware I Can Get Them For The Last 6yrs At £10 But That Is Through Sending The Sar Letter Is It Possible I Just State I Want My Statements For The Last 2 Yrs Not 6 Yrs And That I Am Not Claiming Charges Back And Enclose £10 Like You Would With Reguards To A Sar And That Infact I Am Saving Them Time And Money Because I Only Want 2 Yrs Worth. Otherwise I Will Just Sent Them A Sar And Get The Job Lot If They Cannot Help Me This Way????????????

omg i cant believe theres a chill area !!!!!!!!!!!!! this site is just too funny lololol. i love it lol. i will be making a donation regardless of if i win any charges i gotta contribute to keep it going!! u need help with anything then come here lol

mad zone haha its so true i found this site saturday night and was hooked til 6 in the morning reading all the posts lol. the best one was someone sending the bailiffs to the bank as he had won the claims but the bank had refused to pay out so the heavies went in to take all the office furniture i was howling lol thanx for your reply

hi tilly thanx for your response but i have read them due to me claiming from yorkshire bank too !!!!!!!!!!!! haha thanx anyway