Finally ended up paying 1 charge of £35. Yorkshire then proceeded by giving me duff information in adverse data being recorded with CRA's which was factually incorrect. I have now had my files rectified and all my files are 0000000's, which ultimately is more imprtant than the £35, needless to say, Yorkshire Bank have lost my custom. Regards

I have not had £9.99 taken off me and I am on the FREE trial. I like the way they have the website but I have Noddle FREE and pay £3.49 a month for full access to Equifax. I am glad I did though as I was made clearly aware that I had a financial associate that shouldn't be on my report, it wasn't clear on my Equifax report. I will therefore cancel before the end of the trial as all the information I need I can gain easily enough through the current channels. ALL 14 of my accounts are listed, 11 on both but noddle also lists elec/gas and an Insurance account. I last week had a Experian Statuatory report which lists identical accounts to Noddle. Obviously this will be different if you have different creditors. Regards

Don't forgot though that BG report the conduct of your account to the CRA's and so are likely to have trashed your credit file and the likely hope of having a credit meter reinstalled in the near future. This may depend however on when you opened an account with them.

Sorry for not replying sooner, I didn't realise you had replied. British Gas have your consent to use your information in the way they state as you agree to this when you are take on the supply from them! They are credit reference agencies and as such British Gas are providing you with Credit or the facility to have credit, whether or not you actually use it! A credit agreement is exactly that, if two parties agree to it and it's terms then I see no issue with BG reporting the status of your account as was agreed when you entered into the contract. An agreement to fund a utility meter, i.e. your electric meter, your gas meter, your water meter.... these are not regulated but are still credit agreements.

Do you mean a Default or a default marker? If it registering an 8 or D in the month column then it doesn't matter, what matters is the actual date of default, is that correct???

When did you start to go into arrears/miss payments? If the default is listed as April 2010 then 6 years after this, the account will be removed from the files of the CRA. Hopefully someone will come along and advise you regarding correct issuance of a default notice etc...

I have done, they accepted they were wrong and said they would remove it within 5 days. They haven't but now saying he didn't say that and won't remove it! I am asking if someone knows the parameters or has a similar experience. I will look into the 8 principles in more detail later, thank you for your input on that.

The right person??? I haven't moved house, I have a current liability for water charges in the year 12/13!

So they would definitely fall foul of Principle 4 without fail as a search for a current liability does not list the amount etc so clearly cannot be upto date if you now owe nothing?

They can check my credit worthiness WITHOUT putting a search in Table One!!! My Credit File has numerous accounts, all with green 0's and low balances, this search is misleading in my opinion as it implies I have a debt, which itself is another matter. I have been FORCED into any terms and conditions, I have never had a copy of anything in the post! It is very difficult to live in a house and not use water! So being £1 in arrears for 1 day means they can carry out havoc on your credit file?

The supposed creditor is UNITED UTILITIES, the supposed debt is actually an ACTIVE water account, this years payments. Can they place Table One searches if you are £40 behind with your payments???

Explain further the circumstances of the Cabot debt, Original Company, dates etc...

Hi, I have today been in touch with Equifax regarding the exact meanings of their search descriptions. I specifically was interested in the one listed as DEBT COLLECTION, I asked them what this is which I was duly informed. However I enquired further as to the parameters that mean a search of this type can be carried out, to which after a heated discussion she hung up on me. Anyone??? Do you know what the parameters are that mean a company can perform such a search??? To me, these searches can be misleading and potentially have a disproportionate effect on your credit rating. Thanks in advance

Any more news on this???

I wouldn't do that, accuse him of fraud. I mean his actions would be considered fraudulent if he informed me about the bounced cheque and I then arranged to pay him by other means but he still subsequently represents it! He said he hadn't represented it, it only physically came back to him yesterday. The bank notified him, may online banking, email or text that the cheque had been bounced.

He insists that he hasn't as to do so when I have arranged to pay him otherwise would I am sure constitute fraud/theft as he knew he would no longer be entitled to the money. I am of the belief that the bank can automatically represent the cheque without returning it to their customer. mamaris30, I had every belief that the funds would be in there when the cheque was presented, I actually physically paid the cheque in to my landlords account .

Hi, I gave a cheque to my landlord from my Yorkshire Bank account, I had expected funds in on the Wednesday to my account but the funds turned out to be paid into a different account, I had asked for them to be paid into my Yorkshire. My landlord contacted me informing me that the cheque had been bounced, I then checked my Yorkshire account to find no money then checked the old account and the funds were in there. I then arranged to make a Faster Payment to my landlord to settle the amount and thought no more of it. I have been into the branch to see if they will waive the £35 charge, scandalous... anyway, she said she would wave ONE of the charges. It appeared that they had REPRESENTED the cheque, my landlord certainly hasn't!!! What I am asking is, can I fight them on the second charge anyway as I hadn't been informed they intend to represent the cheque. I have looked at the terms and conditions of my account and I see no mention of them representing cheques, I assumed that if it was declined then the the Payee would need to take up the matter with me or re deposit the cheque!!! I'm fuming, ripped my cheque book up and threw over the branch! Any ideas??? Thanks in advance Stopthethieves

Is the payment status correct, if not then yes it can be amended. Raise it with both banks and if no satisfactory response then raise a dispute with the Credit Reference Agency

Get a third party to settle debts that you can't and require removal of adverse data as a condition of settlement.

Example. Your car breaks down and you go to the garage. The car gets fixed and you are given an invoice for £500. You tell the garage you will pay at the end of the month once you receive your salary. Deferred payment is CREDIT! Anyway, as I said, this is becoming a pointless discussion, I am not sure what point you are trying to make! When you receive gas on a a meter and pay AFTER you have used it, it is referred to as a CREDIT meter, you enter into a contract, deemed or otherwise for the supply of the gas. A contract is an AGREEMENT, you are receiving CREDIT which is deferred payment for the goods/services. A credit agreement!!! You consent to the processing of you data in the way they state as in my previous posts, if you don't like it the use a prepayment meter or find a company that doesn't use your data in this way!!!

It is quite clear in my post, maybe you should actually take the time to read the terms and conditions of what you sign upto! We will send information on your account to credit-reference agencies and they will record it. If you have an account with us, we will give details of it and how you manage it to credit-reference agencies. If you have an account and do not repay money you owe in full or on time, credit-reference agencies will record this debt. They may give this information to other organisations and fraud-prevention agencies to carry out similar checks, find out where you are and deal with any money you owe. The credit-reference agencies keep records for six years after your account has been closed, you have paid the debt or action has been taken against you to recover the debt. We and other organisations may access and use, from other countries, information recorded by fraud-prevention agencies.

An Individual The Act applies to agreements made with individuals, which the law defines as not only a natural person, but also as "a partnership consisting of two or three persons not all of whom are bodies corporate" and "an unincorporated body of persons which does not consist entirely of bodies corporate." Although this may, at first glance, appear unusual, the intention is to protect those who would have personal liability for debts taken on by a partnership or other unincorporated organization in which they were involved. Regulated Consumer Credit Agreements The Act defines "credit" as "a cash loan, and any other form of financial accommodation (under which the debtor is allowed time to pay)." Financial accommodation includes loans, hire purchase, lease purchase, credit cards (but not charge cards), conditional sale and credit sale agreements. The majority of credit agreements that provide cash or financial accommodation to an individual are regulated by the Act, irrespective of the amount involved. Individuals commonly use loans, hire purchase, credit sale or credit cards to purchase major items or services and these are the precise arrangements the Act set out to regulate. Certain types of agreement are, however, exempt from regulation under the Act. Consumer Hire Agreements According to the Act, a consumer hire agreement is an agreement "with an individual (the hirer) for the bailment or hiring of goods which is not a hire purchase agreement, and is capable of lasting for more than three months." The Act places no financial limit on the amount payable under the majority of regulated hire agreements, although certain exemptions do apply. A typical equipment or vehicle lease would be classified as a consumer hire agreement. Exemptions and Other Considerations If the funds advanced or the goods hired are to be used predominantly for business purposes, an agreement with either a credit amount or total hire payments exceeding £25,000 is not regulated. Certain agreements relating to land also fall outside of the regulations, as do specific interest free and low cost agreements, as well as some agreements requiring four payments or less. In its November 2010 guidance leaflet "Consumer Credit Regulated and Exempt Agreements," the Office of Fair Trading lists a number of other exemptions to the regulations, including agreements entered into with credit unions, credit for employees, agreements to finance utility meters, some agreements to fund insurance payments, certain share dealing funding arrangements and special rules applicable to high worth individuals. Existing credit or hire agreements that were made before April 6, 2008, are not regulated if the amount of credit or the sum of the hire payments exceeded £25,000. Read more: Credit Agreements Regulated by the Consumer Credit Act | eHow.com http://www.ehow.com/info_7931963_credit-regulated-consumer-credit-act.html#ixzz1xLNe5tNJ

Your payment terms are that you pay at a later point on CREDIT. If you want to think it isn't credit then carry on. As for the CRA's, you will have consented in the agreement, i.e. British Gas http://www.britishgas.co.uk/products-and-services/gas-and-electricity/our-energy-tariffs/Tariffs-A-Z/websaver-11-terms-and-conditions.html 10.8 We will check your details with one or more credit-reference and fraud-prevention agencies to help us decide whether there is a risk that you may not pay your bills and also to help us make decisions about the goods and services we can offer you. Below, we have given a brief guide to how we, the credit-reference and fraud-prevention agencies will use your information. If you would like more information about this, you can find the full version here. Or, phone us on 0800 048 0202 and we will send you a leaflet. We will search at credit-reference and fraud-prevention agencies for information about you and all the people you are applying with. If you are providing information about other people on a joint application, you must make sure they agree that we can use their information to do this. If you give us false or inaccurate information and we suspect fraud, we will pass your details to credit-reference and fraud-prevention agencies. Law-enforcement agencies (such as the police and HM Revenue & Customs) may receive and use this information. We and other organisations may also access and use information about you that credit-reference and fraud-prevention agencies give us to, for example: check details on applications you make for credit and credit-related services; check your identity; prevent and detect fraud and money laundering; manage credit and credit-related accounts or services; recover debt; check details on proposals and claims for all types of insurance; and check details of employees and people applying for jobs with us. When credit-reference agencies receive a search from us, they will record this on your credit file whether your application is successful or not. We will send information on your account to credit-reference agencies and they will record it. If you have an account with us, we will give details of it and how you manage it to credit-reference agencies. If you have an account and do not repay money you owe in full or on time, credit-reference agencies will record this debt. They may give this information to other organisations and fraud-prevention agencies to carry out similar checks, find out where you are and deal with any money you owe. The credit-reference agencies keep records for six years after your account has been closed, you have paid the debt or action has been taken against you to recover the debt. We and other organisations may access and use, from other countries, information recorded by fraud-prevention agencies. If you want to see what information credit-reference and fraud-prevention agencies hold about you, you can contact the following agencies currently working in the UK. The information they hold may not be the same, so it is worth contacting them all. They will charge you a small fee. Call Credit Consumer Services Team PO Box 491 Leeds LS3 1WZ Phone: 0870 060 1414 Website: http://www.callcredit.co.uk Experian Consumer Help Service PO Box 8000 Nottingham NG80 7WF Phone: 0870 241 6212 Website: http://www.experian.co.uk Equifax Plc Credit File Advice Centre PO Box 1140 Bradford BD1 5US Phone: 0870 010 0583 Website: http://www.myequifax.co.uk 10.9 If you give us information on behalf of someone else, you confirm you have given them the information set out in this document, and that they have given permission for us to use their personal information in the way we have described in clause 10. If you give us sensitive information about yourself or other people (such as health details or details of any criminal convictions of members of your household), you agree (and confirm that the person the information is about has agreed) that we can use this information in the way set out in this document. 10.10 You are entitled to have a copy of the information we hold on you, and to have any inaccurate information corrected. We may charge you a small fee for providing a copy of any information we hold about you. For more information about this, please contact our Privacy Unit at: Lakeside West 30 The Causeway Staines TW18 3BY. Or, you can e-mail CentricaDataProtection@Centrica.com.. So you have agreed to them passing on details of the running of your account, if it didn't involve CREDIT then it is non of their business.

https://help.wonga.com/help/payments/repayment-method Help Categories All areas Applying for a loan Wonga Account Payments Receiving Funds Repaying My Loan Repaid Loan Repayment Arrangement Overdue Accounts Miscellaneous Legal What are my available repayment methods? When you borrow money from us, you agree to repay your loan by a debit card. If you are looking to make payment using an alternative debit card, you can add one in the My Account section of the website and make payments at any time Alternatively, you may call our automated payment line on 0207 1830063. If you do not have another debit card that you can use, then please make a cash payment directly into Wonga's bank account immediately. Here are our bank details: Bank name: HSBC Bank, Sort code: 40-06-09, Account no: 21544926 You must quote your full name as reference with your payment as it will help us process it faster. You must then email us at customercare@wonga.com to let us know, so we can allocate the funds to your account. Please note it can take up to three working days for the payment to reach us.

WONGA BANK DETAILS Thanks for contacting us and letting us know that you intend to make a payment. That's great news. Here are our bank details: Bank name: HSBC Bank Sort code: 40-06-09 Account no: 21544926 Your ref no: 00000000 (you need to find this out) Please remember to quote your reference with all payments, which will help us process things more quickly for you.