Thank you, I will try everything. I registered with Credit Expert just so I could see a file with no defaults for the first time in 8 years. Then this. I will do whatever I can but deep down I am thinking it will be a long and fruitless task. I just wish there was some compassion somewhere in the credit reference process.

Hi I have been waiting for the last 6 years for defaults to drop off my credit file. I lost my business years ago and went through hell paying back loans etc. I had 8 defaults at one point but steadily the balances have been paid off and the defaults dropped off due to being 6 years old. I am now in a good position financially and was looking forward to my last default dropping off my account which has happened this week. I moved into a new rented house late last year and started paying my water bill with South East Water. What I didn't realise was that I also have to pay a separate bill to Southern Water. I received a bill but thought this was for my final bill at my old address which I had already paid. I was paying south east water thinking that was the water bill for my new address sorted. Anyway I have just had a default go onto my account today for £59.07 which I should have paid southern water as they deal with my waste water and south east only deal with the fresh water. I am absolutely gutted, I feel physically sick, years and years of paying things off and waiting for my defaults to go and the week the last one drops of I get one for £59. I was hoping to get a mortgage etc. and be finally free. I spoke with them to tell them I received no default notice but they say they sent it and that's all they have to prove. Is there anything at all I can do? I just can't go through another 6 years of being a bad credit risk. I thought it was all finally in the past

Hi We have been renting our house for 4 years now. We initially signed a 12 month agreement. Last year the letting agent sent us an addendum saying the rent was going up by £50 and the notice period would now be 2 months instead of 1. They charged us £75+vat for the addendum to the contract which we paid. We have just been sent another addendum with a bill for the same amount to extend the contract for another year. There is no change to the rent and the 2 month notice still stands so why is this an addendum? Are they allowed to charge us for extending the tenancy for another year? Do we have to sign and pay this? Many thanks

Hmmm, Well I received a letter from the FOS now saying that MBNA disagree with the FOS decision. They have quoted some case references that they say are similar to mine but these have been blacked out. In the letter it goes on to say that 'this does not necessarily mean the FOS will change their decision'. Has anybody else had this? Is this just MBNA trying it on? Regards

Hi guys, Just to update about my PPI. I have received a letter from the FOS today saying they have suggested to MBNA that they pay back all my PPI. They have given them until the end of this month to respond and either agree, disagree or make another offer. Does this mean they will pay or do they usually disagree? Has anyone else had this response? Regards

Hi I am looking into reclaiming my charges from a Halifax mortgage I had around 6 years ago. I have just received my SAR so only just become aware of them. I have been charged £35 late payment fees £40 broken promise fees £100 for representative vists (dont remember any of these) I take it I can claim all of the above? Also there are numerous fees just listed as 'sundry' does anybody know what these are? Can I claim admin fees? Regards

Thanks for that, will send this today.

Hi I recently SAR'd Halifax to get my old credit card statements, this account has been in dispute for years due to them not having a CCA. I still keep getting threatening letters from DCA's so I am now going down the charges route hoping to pay this off. I sent a SAR request and £10 but they have written back saying they cannot do this without a valid signature. Obviously I do not want to provide this as they may fake a CCA so how can I proceed? Regards

Thanks, My charges come to £1400 and with interest it works out at £6750. I would like to keep this in the small claims court so would be happy to go for £4999. Am I ok to include the actual figures but state in the letter that I will be claiming £4999 through the small claims court or should I try and figure out an interest rate that comes under £5000? Is it acceptable to just tell them I am asking for £4999 to keep it in small claims?

Hi Well I have had responses now to both my charges and my PPI. Regarding the charges, they have offered my £20 as a goodwill gesture. I will now look into taking this further through the court. I am a bit wary of this though as I have never been to court before. There are lots of threads on here that geet to this stage and just stop. Im undecided how to proceed now. For the PPI. They have sent me a letter stating that I ticked a box asking for the PPI at the time of my application, they also say they have attached a copy. I did not tick this and what they have actually sent is a printout of their own application data with says PPI = YES. I cannot remember whether I applied for this online or not. I would like to take this further but again I am a bit intimidated by the court route so may go to the FOS. How long would it take this way? Should I try the court route hoping they will back down? Regards

The thing is i felt like I was coming to the end of it all until the demand from HMRC turned up. My debts are going down and many are paid off. I had 11 defaults at one time and they are due to drop off at the end of this year. I have also been doing things to show a good credit history since then. I really dont want to get a CCJ now of some DCA.

How does this sound? I am writing in regards to the above account which I have been paying in good faith for some time now. Unfortunately it has recently come to my attention that I owe a large amount to HMRC. This debt will take priority over all others until it is paid in full. I estimate this to be a period of 6 months. As a result I will only be able to make token payments of £1 until February 2013. I realise that this means my account will take longer to be paid off in full but due to my good payment history with yourselves I trust you will be patient in this matter. My history shows that I am committed to paying off this balance and just need some time to pay HMRC. Should you not be happy with the above and wish to take this matter further, I am confident that any court will find in my favour and see that I have tried to both carry on paying yourselves a token payment and have communicated in advance my intentions.

Thanks, I will send them all a letter saying they will get £1 until HMRC is paid. They wont like it but as you say, they are the bottom of the pile and threats from HMRC are definately not 'idle'. Regards

Hi I have a few accounts with DCA's that I have been paying for years. These are the ones that came back with a correct CCA. I pay around £400 a month. I have just found out I have a large outstanding PAYE account and HMRC are threatening legal action. I need to pay this off asap and am trying to throw every available penny at it. What do you think the outcome would be if I wrote to all the DCA's and asked them to accept token £1 payments for a year until this bill was paid off? They have already defaulted me years ago and most of these are due to drop off my file at the end of the year. I dont want to risk getting CCJ's an ruining my file again, however HMRC may well give me a CCJ if I cannot come to a decent arrangement with them. Has anybody asked a DCA to accept token payments for a while? Is there any hope of them agreeing to this?

Hi I have a few old credit cards and loans that I am dealing with. Some I am paying off via various DCA's as they were able to produce valid agreements. There are a few however that couldn't produce the agreement. I put the account in dispute a few years ago and have not paid anything since. I receive letters from DCA's every now and then. At first I would inform them the account was in dispute but now I just ignore them. I have looked at the charges on these accounts and if I add the compound interest at their rate, it now becomes more than the balance owed. One also has PPI. I remember being told that I could not stop paying due to the account being in dispute and then also reclaim charges. That is fair enough. However the DCA's are telling me that I still owe the money. Am I able to go back to the original bank and claim these back? They defaulted me and sold the account on so they have had some money back and trashed my credit file. If I was not still being told to pay I would not bother but I was defaulted on accounts that had no CCA and am getting hassled by DCA's so am i within my rights to claim the charges?

I suppose I just need to take there word for it. I have looked closer and there is probably about 4 months from opening the account to the first statement they sent. Also, do I claim interest up until todays date or up until the default date?

Hi Sorry for being thick, so what interest rate do I put in the box on the spreadsheets?

Hi Sorry, when I say it was closed I mean thats when it was defaulted. I sent my SAR in 2009 so received 2003 - 2009. From 2006 to 2009 It was just me paying them a fixed figure via an arrangement though CCCS.

By the way, the posted credit insurance fee starts when the PPI fee stopped and is the same kind of amount so I presume this was just another name for PPI and I had it for longer than I thought.

Hi Im not sure because I find the interest confusing, I have seen posts saying charge 8%, 29% and some saying charge whatever the credit card interest fee was. Im not sure which one to use. My balance is currently around £4100 The PPI I have paid is £1150 in 2003-2005. The account was started in 2002 and closed in 2006 so there will be more but I only got 6 years worth of statements with my SAR. The charges from 2003 onwards amount to £1480 Both of the above are without interest added as I dont know what figure to use. I have put all the figures in the spreadsheet.

Hi I have an old MBNA card which I have not paid anything to for about 3 years. This is due to the fact that they could not provide me with a CCA. Over the last 3 years I have been sent various threatograms which I have just ignored and it has been passed around a bit. I have gone back to looking at the SAR info I received 3 years ago and noticed that during the first year of the account from 2003 to 2004 I was paying PPI of about £30 a month. I must have realised and cancelled this in 2004 as it suddenly stops. There is also a lot of charges on there that are called 'Posted Credt Insurance Fees' Does anyone know what these are? Can I claim these back with my account in default? I am happy for them to just reduced the amount owed on the various DCA letters I get and am not expecting them to give me cash when I have not paid it. Would going through this process affect the time to Statute Barred? Can I do this whilst I am saying the account is in dispute due to no CCA? Regards

Hi A few years ago I obtained CCA's and some SARs for my various credit card and loan accounts that I had. Some I disputed and some sent back correct CCA's which I have been paying off ever since either direct to the original lender or to a DCA. I still have some balances left on a few credit cards and loans and I would like to look into claiming the charges back in the hope that this will clear the remaining balances. Please could somebody direct me to a link that will explain exactly what I can claim for and how to go about working it out? I have tried searching but some of the threads are very old and I dont want to send letters that no longer apply. How do I start? I have the SAR material from some of them so can start working it out but dont know what to claim for. Regards

Yes you are proven wrong. I didnt actually get anywhere with it though. At the time I had a whole load of other accounts I was looking at and I forgot all about this one. I may look into it again.

OK, Thanks for looking into this. In regards to contacting GE there is only £80 left to pay and so probably not 6 months worth of payments. They also told me that as no interest was being applied it could never show anything other than 6's. Regards

Yes, an old mortgage shows my last 12 months history before I settled it in 2007. There is a note below which says: Settled accounts are kept on file for six years from the settlement date. The status history in respect of a settled account relates to the period of time prior to the date of settlement.