Thank you. A strongly worded letter is heading out tomorrow. I've also raised a complaint to the credit reference agencies. Ill update progress on here as I can see others are also experiencing the same

Ok thank you I will do that. I'm furious that these people are able to just re age defaults and falsely add items to my credit file. It's abhorrent behaviour and very damaging!

Hi. It was so long ago that the debt came off my file I'm not sure how I'd prove it? Could I SAR barclaycard? Is that likely to evidence that the account defaulted in 2001 originally? How do I complain to the ICO? Many thanks x

I've just checked my credit file to discover that this company have added an old barclaycard debt to my credit file!! This debt defaulted in 2001 and came off my file in 2006 and now it's back on there with a default date of last January!!!! According to my credit file its not due to be removed until jan 2019!! Can they even do that? Is it legal?? Any help greatly appreciated

Shall I scan a copy of the FOS questionnaire and upload it?

Thank you for that. So what is the next step with Amex and the PPI? It wasn't an online application - it was a paper one (just to clarify) the box is ticked (with pen) but I don't remember ticking it - conjecture BUT the tick is different to the other ticks on the form (like the one for my title for example) which what makes me think it was ticked after I posted the application form off (but like I say - I can't prove this) What do I need to do? Refer it to the OBUSMAN? I have read on the forums that Cabot can be aggressive DCA. Should I completely ignore them and hope that they give up? or should I write to them (I feel this will only serve to confirm that they hold the right details for me!)

Can anyone offer some advice/guidance..... I recently sent an SAR to American express and discovered that I had PPI on the account from 1998 to 2001 (when the account was ceased due to financial difficulites) It was a postal application form and the box for ppi was ticked (I don't recall ticking it but may have done) American express have declined my request for the return of ppi saying there is no evidence that it was missold as it was not a requirement of the credit card. I then received a letter from them and cabot (deed of assignment) to say that they have sold the debt to Cabot (balance is £1400) I was paying a third party debt collector for this debt up until a few years ago when payments stopped and no one chased me for it - it is off my credit file as it defaulted in 2002 Question 1 - are they right in what they say about the PPI or should I take this to the next stage? if so on what basis? Question 2 - Can Cabot have this debt put back on my credit file? Question 3 - should I make an offer of repayment to cabot or wait unitl the PPI refund option has been exhausted? ALSO - Another of my debts (creation financial services) has also been sold to cabot (deed of assignment received this week) I don't consider I owe them any money (balance is £1000) but the original debt was £751 and escalated with charges to £2,000 which i sucessfully challenged and got the PPI refunded to reduce balace to £1000 however over the last 10 years I have made repayments of £800 so I think the remaining balance is just charges that have been added. Just to note I have not acknowledged cabot - I have been ignoring the phone and not responded to letters until I get some advice hopefully from this site......

Can any one advise on this? I've completed an income and expenditure sheet and there is literally no spare money to pay in to this and pay the essential bills. No home. We have moderate vehicles in tems of value (approx £1000 each) are dfd likely to bankrupt us? What purpose would it serve?

Hi My guess is about £3800 approx

My other half entered into an iva in 2007. He is self employed and we've struggled to make payments. Initially the repayments were 600 a month then two years in reduced to £351 a month but we've struggled with that. The iva has been extended and extended and is now due to finish in November however the payments are crippling us and after 72 months and £31000 repaid I'm wondering if there are any options available to us to end this rather than it be a 7 year iva. We rent and have no savings. We should have gone bankrupt 6 years ago but this is something we want to avoid now. Any advice gratefully received

Hi sorry for delayed response, been away. No nothing from them, they are swines to deal with, when i was trying to cancel the ppi they said they had no record of my request and even when I was paying them via a dmp they still applied the ppi so surely its obvious I didn't want it. In the end I had to tell them that I would cease all payments if they didn't remove it and they gave me the address of the provider to write to which I did if i remember rightly. Now my debt is double its original size because of the ppi and i have been making payments on it for 5 years or more! Crazy and illegal I am sure!

Quick advice needed, I wrote to the suppliers last week as their latest statement showed a discrepency in the amount owed compared to the solicitors letter sent in December, the final payment was due to be paid next week. I requested that they send me an up to date statement detailing the balance owed and explain the discrepency. They have written back to me today saying that the additional amount (that I couldn't account for) is £166.84 for the solicitors interest/charges!! Is this legal. Surely if they decide to get a solicitor to send a letter chasing us for payment without warning us that this will happen then the costs incurred are there own? And why would we owe the solicitors interest, our account isn't with them. There has been no interest mentioned before and no letter to say that interest will be added. I am of the opinion that we do not need to pay £166.84 for a letter from a solicitor when we weren't even asked to settle the account before their letter landed on our mat! Can anyone help with where I stand on this?

great, i will get that done tomorrow and send it off. Be interesting to see if they comply

Thanks guys Well I think that it was about 18 months ago I sent off the cca request. I have a feeling they cashed the cheque and never sent the info. I had a bit of a family situation and never got round to chasing it all up hence this letter has prompted me into action again. I will send a SAR tomorrow recorded delivery. When i tried to cancel the ppi I phoned and wrote to them several times, several of which were faxed, I don't have the copies anymore though I don't think. I will look through my paperwork

Hi can anyone help with my enquiry? I want to challenge them on the insurance that they added to the account and I need to get in touch with them in the next few days before they start adding interest on to the account. Thanks in advance!