Thanks dx100uk, Can I incorporate the fact that I never received DN (I assume they haven't got one & would be even more surprised if they can produce one!). Getting out my biggest nut-crackers... and a blow torch....

OK so far... SAR sent to Barclays address for this old account... Since most of the templates are for defaults after June 2007 do I follow same structure as default removal templates but without some wording?

Hi all, Many thanks for the advice i have already received. I have recently discovered that I have a default on my credit file from June 2006 for what i can assume is all bank charges or at the very least nearly all bank charges (around 600 total)... Most of the information on here is about if the default was registered since june 2007.... Any advice How I can get this one started? Thanks

signed and partner signed too !

Thanks for the quick reply No Northampton is not my local court, Altrincham is my local court. Can i still do it there and From what i have learned from here already I take it i need to submit one of those very generic application notices? Just what to put on the application notice am not sure about.... ?

Hi, Hope its ok to post here.... When I try to go to this link:- http://www.consumeractiongroup.co.uk/forum/announcement.php?f=84&a=128 I get a message that "you do not have permission to access this page." I got the link from this stickey:- http://www.consumeractiongroup.co.uk/forum/woolwich/149484-have-you-been-defaulted.html I am trying to read some info on how to start the ball rolling with a claim for a default I have found against me, an oldish one, comprised entirely of charges...

Hi all, I recently checked my CRA file and found that a CCJ from April 2007 has appeared for 100 - Northampton county court / registry trust limited... After a little investigation it turns out that this was a fine from the DVLA for a car that I scrapped and informed them that I had scrapped. I remember at the time, although it was a while ago now, that when they sent me the fine I rund them to inform them that I scrapped the car and had sent them the info on this.... a few and a half phone calls later they just seemed to drop it and I heard nothing else since, until I discover this judgement now.... When i rund the DVLA they say the £100 is showing as not paid, but the really funny part is I have never had court docs or chasing letters demanding this £100 they have a judgement for ??? Help!! Anyone got any ideas where on earth to start with this one? Should i SAR them to see all the info they have on this vehicle in relation to me? Then Can i go back to court and get it all sorted out?

Its been ages but I now have an update.... Well case management meeting happened at court with the same judge as my application notice.... Again the judge tore a strip off the Halifax/BOS solicitor saying they should have done something to sort this out instead of wasting the courts time BOS had submitted some info on what a default notice in its standard form would look like, judge didn't think this was suitable as evidence without actually seeing the original default which of course they cant produce... I didnt get the judge to strike their defense out but got some directions (not to bore with too much detail) to attempt mediation (at BOS request), which failed miserably and exchange skeleton argumentswith full reports of case law & relevant sections of DPA and CCA relied on, which we have now done. Funny enough I saw a name on thier skeleton argument which i didnt recognise so I googled it, and would you know it they have only gone and hired a barrister to prepare thier skeleton argument in reply to my skeleton argument, so i guess they will be bringing a barrister to court with them. IMHO It feels like they are bringing out the big guns so to speak, are they worried? Right well now I really need a little support if anyone feels upto it? I am going to up my next post asap with my and thier skel arrguments so any and all help if very much welcomed and appreciated....

Having read the banking standards code it appears that ignoring the fact that no valid agreement is present and neither permission to process my data, if an account is in dispute the banks must give (according to the code) 28 days notice before passing information to third parties. This didn't seem to stop then magicking credit reference entries some 6months ago that contained negative information, that have before that date never existed on my credit file in any form whatsoever about an account with that number... tut tut! What is the world coming too...... So I am preparing some preliminary letters based on the kind advice of steven4064 and would welcome any suggestions again.... Do i just go ahed and post what I got up here for you kind people to tel me what you think or should I be waiting for further suggestions as I am getting a little worried bout doing something fairly soon with this one.... Thanks all

Here are the letters and default notice - I note they give 28 days notice.

Should I write to them again before I consider a course of action like enforcing DPA s.10 through court?

I have sent letter as posted by Mr Lex above and so far it has been ignored and in addition Natwest have sent DEFAULT NOTICE to me giving me 28 days. Help! what should i do now, they appear to have ignored the letter I sent completely... Any ideas on what action to take next anyone? any suggestions most grateful... :S

I have read the relevant statutory law and 21 days is the timescale, so I guess 21 days....

Went to sign but then realised that petetion closed

That letter is the dogs ******** Mr lex exactly what i needed, thanks so much for that, a real big help I can relax a little now I still can't believe how cavalier the banks in general are with keeping their information str8....