This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

You can do this online with experian, notice of dispute, I had something similar where I had 2 debts showing up which was the same debt. Just do the notice of dispute and explain it is the same debt and experian will investigate it for you.

Dont know if this helps anyone but if the child is under 11 but over 4ft 5 they dont need any kind of seat and is fine just wearing a seatbelt.

Just a quickie q If the company send you a blank agreement stating you should have the original is this the same as them not providing it? i done a CCA on Studio for my mum and they just sent a blank agreement that hadnt been opened and told her she will have original. the fact they cant supply a copy or the original is as good as they have failed under CCA? So my next step would just be the normal procedure? Also if they fail to comply can you ask them to remove any details placed on CRA? I dont mean defaults just things like missed payments?

I am currently trying to get a refund of PPI that my mum has paid on her RBS credit card. The amount she has paid is approx £1800, I sent the prelim and LBA to them and she just received this is part of the reply from them: " This insurance is designed ro protect you in the event of sickness, unemployment or death, as long as you meet the requirements stated in the Terms and conitions of the Payment Protection Policy. YOU are advised to check if you qualify for the cover" My mum is disabled and the terms and conditions state to qualify you must be working at least 16 hours per week. My mum hasnt worked since 1989 due to disability. Surely it is their job to check someone qualifies? What is my next step? I am really angry that they are saying it is up to the customer to check they qualify but they will be happy taking your money even if you dont. Any advice what i should do next would be great. I dont know if this would be covered any under of the acts and dont know where to start???????????

I sent a CCA for my mum to Studio cards, she received a reply yesterday stating they have enclosed a copy of the agreement, it is a blank one that hasnt even been opened, and that she should have the original. What would be my next step on this? I thought since they cant supply copy of original with my mums signature they cant enforce this debt, just wanted to check this is the case before I write to them.

Looking for some advice please? Sent a prelim to RBOS asking for ppi that was mis-sold to my mum to be refunded Total amount £1800. No reply so I sent the LBA. Today my mum received a letter stating that she signed for it so it wasnt mis-sold. I think we have a string case that she was mis-sold as since looking at the t&cs she had to be employed at least 16 yrs a week and my mum has been medically retired since 1989 so wasnt even entitled to be covered by it in the first place. What is my next step please? Should I write again stating this or go straight to court claim? If court claim could someone please advise what i need to write and which form to use (Im in Scotland so cant use MCOL) Any help would be great.

Ok for about the last 2 weeks I have been reading about defaults and letters to send for their removal. i have a default for £25 with TSB. I have a claim in court for my bank charges and have worked out at the time of the default I had been charged £225 in charges so therefore I know the default is due to bank charges. My question is regarding the removal of the default. Because the default is already registered can I still send s.10 letter and will this get the default removed. or do I need to send a prelim and lba then amend my court claim? Sorry have read loads of posts and cant get my head around this one. thanks in advance

Congrats Neo Enjoy your holiday. I look forward to reading your progress....go get em!!!

Wondering if anyone can help me. I am in the middle of claiming back ppi that has been missold to my mum on her credit cards. Problem is with MBNA I dont know exactly how much she has paid. Before I send a prelim asking for it back do I need to know the exact amount. We sent a DPA for her charges but all they sent back was a list of charges and not copy statements. Should I write to them and ask for the amount she has paid or just send a prelim asking for refund?

I had a couple of linked addresses from years ago. I done an online dispute and got an email back yesterday saying they have been removed. There were also searches on my file form over 1 yr ago that I got removed. Im gonna resend for my file to make sure it has been updated.

Heres the address for 1st credit which i got from my credit file: 1st credit limited Enterprise House Bancroft Road Reigate RH2 7RP

Dunno if this will help, this is the prelim letter I used for RBOS misselling PPI to my mum: Request for repayment of Payment Protection Insurance Dear Sir/Madam, CARD NUMBER: xxxxxxxxxxxxxxxxxx My request I am writing to ask you to refund to me the sum of money paid for the Payment Protection Insurance that I believe I was mis-sold by an agent of RBOS. I have also discovered that the PPI cover supplied to me was fraudulently applied. I quote from your terms and conditions for PPI: “We accept anyone between 18 and 64 who lives in the UK and has been in permanent paid employment there for at least 16 hours a week for the last six months. We may also be able to cover you if you’re self-employed or on a fixed contract.” I have been medically retired and classed as disabled since 1989 and therefore would not have been eligible for any payments from the PPI. I believe I shouldn’t have been given ppi as I am not eligible to join under your terms and conditions. My situation was known when I applied for the credit card, however no one pointed out that the insurance was virtually useless to me so I believe that I was mis-sold the insurance. I refer you to the recent statement from the FSA in regards to loan payment protection insurance where they quote theCode of the Association of British Insurers (ABI) which requires the seller to ‘ensure as far as possible that the policy proposed is suitable to the needs and resources of the prospective policyholder’. Your responsibilities I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I consider that your repeated representations that your PPI plan was required and reasonable was deceptive and that they had deceived me into agreeing to pay them. What I require I calculate that the Payment Protection Insurance was for a sum £xxxx. Interest for this figure is £xxxx. Total claimed £xxxx My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment. If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that there will be no further communication from me and I shall issue a claim and lodge a complaint with the FSA at the expiry of the second deadline. Yours faithfully PS I went to RBOS website and found a copy of their PPI, so that I could qoute the bit about who is eligible. Hope this helps.

Its up to you if you want to take them to court. I knwo some people have on here, you would need to have a look around to find threads regarding it. Or you could complain to IC, I done this with Halifax as the didnt comply and eventually i got my statements. http://www.ico.gov.uk/

there is a letter in bank template section saying you accept it as partial payment but will be continuing with claim. Just go on to your next step.

Address I have been using is: Ground Floor Stewards House St Edwards Court London Road Romford Essex RM7 9QD

only number I can give you is installations, they will clarify if this is correct. I know some roofs the engineers aint covered by insurance so sometimes they will refuse to do an install and tell you to go to an independant installer. The number for installations is 08705 95 95 95.

There is such thing as Installations - tel 08705 95 95 95 and install managers can give you offers or credit your account. Customer care is a seperate department from customer services. Customer service wont offer discounts because of this, they would just escalate it to customer care. I know this from experience as I work for Sky.

Also for the other ones you could send the letter to request a copy of the default notice.

You are right phunkey. you cant have 2 defaults for same debt. I have just started the process of getting one removed as I also have 2 defaults for the one debt. I have searched on other forums and have since ound out that if a DCA is registering a default against you then the one from the original lender has to be removed. Firstly I done an online dispute with the credit agency where the 2 defaults were registered, explaining that they were both for the same debt and I want one removed. Then I have sent the following letter to the DCA : address 21 August 2006 Reference: Account No. XXXXXXX Dear Sir or Madam, I have noticed a number of inconsistencies with respect to your registering of a ‘default’ notice on my credit reference. Firstly, it clearly states in the Defaults Guidance that: “The accuracy of any given default record is a matter of fact. The Registrar would normally expect a data user to retain such records as are necessary to demonstrate the existence of an agreement and to support the filing of a default. In other words she would expect a lender to be able to produce evidence to substantiate a default record it had placed on a credit reference file. The absence of such supporting records may indicate a breach of the Data Protection Principle which requires personal data to be adequate, relevant and not excessive for the purpose for which they are held. A record of the despatch of a notice of an intention to file a default, if not a copy of the notice itself, will assist data users to comply with this requirement.” As I have no recollection of receiving a notice of intention to file a default you are in clear breach of the Defaults Guidance, I therefore require you to substantiate this data at your earliest convenience. Lastly, a report 'Defaults Filed with Credit Reference Agencies' by Carol Hufton, published in June 1999 by the Data Protection Registrar to 'give the registrars view on the standards of data quality which should be met when filing information about Defaults' states that: “The re-recording of a default is not acceptable.” Therefore, as the default on this credit agreement is already registered with original lender you are again in breach of the Data Protection Principle. So, with this in mind I have the following requests: 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number XXXXXX 2. You must supply me with a signed true and certified copy of the original default notice 3. I request removal of the default forthwith, failure to comply will result in a report being made to Information Commissioner and Trading Standards. I would request that this data is provided to myself within the next 28 days, if you are unable to provide this data then I must insist that it is removed from my files or I will have no alternative but to report you to the Office of Fair Trading and the Information Commissioner's Office. Yours faithfully

I would start off by phoning installations. Customer service wont do much apart from prob tell you to phone installations or customer care. I would phone installations and ask to speak to a manager and take it from there.

Any news yet?

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html Is this the letter I need to send or would it be a normal Prelim asking for the default to be removed as it was made up wholly of bank charges? Someone please advise as i dont want to do it wrong.