Well I signed up about 7 years ago, but I don't remember what the forms said or whether I agreed to PPI but I certainly didn't need or want it, like I say I didn't actually realise I was paying it until I got my final statement confirming all the account were cleared. I phoned them and they just blank refused to even discuss it saying that you were aware of the terms.

Ok so if I was to try and reclaim the money, it would just be a straight forward PPI reclaim?

haha no they have sold me PPI on my dmp, which I've just finished, I didn't even realise. Its Gregory Pennington.

yeah that's great thanks for the reply. So can PPI be sold on non credit products (I'm sure you can see where this is going) Thanks

Hi Ive had a look around the internet but cant seem to get a straight answer for this question: Is a debt management classed as a form of credit? Many thanks

Johnson cox doesn't work with AW any more. Ok have you gone to OFWAT? if not ring them now , if they are no good then report this to the consumer council for water, if they are no good go to the DWI. These regulators are usually pretty hardcore and dont tend to arse about,if you dont have any luck with the above or the advice 42 has given you let me know.

On completion of the WFSL Scheme, each WFSL Scheme Creditor will release WFSL from all Scheme Liabilities, including the Cattles Intercompany Claim owed by WFSL, and then WFSL is expected to commence a solvent liquidation. In light of the contraction of the WFS Loan Book over time, as its receivables are collected, the Company shall reduce and wind down or sell the outgoings of and other expenditure in connection with the WFS Loan Book in as economical and efficient a manner as is reasonably possible.

Hello Just wanted to see if anyone had put an argument forward with reference to welcome finance going into liquidation, according to the government compension scheme welcome finance are in liquidation. (confirmed after being unable to repay ppi claims). Now my understanding is that even though welcome are in liquidation they can still continue to trade though the liquidators i.e BOVESS HOLDING LIMITED , now i doubt that this would render accounts unenforable as most accounts will be with dca's who would have taken liability, but what about credit reference agancies. If a default has been registered by welcome who are now in liquidation but trading through BOVESS HOLDING LIMITED do bovess then assume the same powers as welcome. After checking the cca register and confirming with the oft, BOVESS HOLDING LIMITED do not hold a cca licence and are not allowed to register any info with cra's, therefore do welcome still hold the right to update cra's? cheers

update Dear Mr Castle, This is to confirm that Stephen has today written to HM Treasury on your behalf to enquire about the issues you raise, and I will make sure you get a copy of the response when we receive it. In the meantime, do let me know if there is anything further I can do to help. Emma Salisbury Caseworker Office of Phillips QC MP 020 7219 6487

thanks for getting back to me I received a DN about 4 years ago with the original amount (£2200) but they've changed the amount of the default for which I didn't receive a notice just a letter saying that the amount for charges and ppi had been removed from the original default amount

anyone?

OK quick run down , been battling with welcome finance for 2 years now with ref to a default they put on my credit file. Took a loan out , lost my job , ppi wouldn't pay out , claimed back ppi charges and loan charges , checked credit file , saw default , default mostly made up of ppi and charges, asked for default to be removed due to ppi and charges ,they refused , offered settlement to remove default, they refused. OK i haven't chased anything with this account for a while then randomly got a letter today saying the following: We will not remove the default on your credit file as the default notice was issued correctly due to you defaulting on the agreement , however we have contacted the cras and updated the default balance to show the amount the default is now the charges and ppi have been refunded (£2550 before - £400 after) My question is , if the amount on the default has changed will that make the original notice void due to the original amount being stated on that notice. hope that makes sense thanks

oh yeah got it , just looking into the share situation , I know a few companies who had their licences suspended when their share were put on hold.

Ok I've been searching the CCA register for about an hour now and cant find welcome on there or any reference to them , does anyone know if they've had their licence suspended/revoked

Monday before we hear anything I'm guessing ???

yeah i know , its pretty much what i expected aswell, but i just wanted to gauge some reactions first. I think I need to start pushing for answers as to why CRAs continually process data when they have been made aware that its unlawful or false, and the fact that although the consumer should always be given the benefit of doubt when an issue is raised the CRAs still side with the financial companies i.e gulity till proven innocent. Once I start getting some more detailed answers I fully intend to try and get some media coverage. Im also going to start pushing for answers from the eu aswell.

second reply from mr darling Dear Mr Robnfc Thank you for your email of 22 February to the Chancellor Alistair Darling about Credit Reference Agencies (CRAs). The Chancellor receives a large amount of correspondence on a daily basis and is unable to reply to everyone personally. The issues you raise are the responsibility of the Department for Business, Innovation and Skills and I have been asked to reply. Please accept my apologies for the time it has taken to respond. CRAs are a key part of the credit market and enable lenders to assess whether an individual has the ability to repay any credit that is offered. CRAs do not hold blacklists and do not tell a lender if it should offer credit. Lenders use the information provided by the CRA in order to assess a prospective borrower’s creditworthiness and whether he or she can afford more credit. In some circumstances where a prospective borrower has a thin file, for example, because he or she is relatively new to credit or is not on the electoral register, then banks will not have sufficient information to make an informed assessment of risk and may therefore decline the loan. Information on a credit report should be purely factual and if arrears were incurred those lenders who share data through the CRA will have recorded them. Similarly, if the debts are now all cleared and you are managing the credit you have, that too, will show on your credit report. As you are aware, adverse information is held on a credit report for six years only. Any late payments, defaults, county court judgments or bankruptcy/IVA details will automatically disappear after this time has elapsed. Following discussions and analysis it was agreed with the Information Commissioners Office (ICO), that six years is a reasonable amount of time to retain data of this type. This is supported by lender and CRA analysis of the value and predictability of historical data. CRAs can advise consumers to add a Notice (of up to 200 words) to their credit report explaining any special circumstances, which led to their getting into financial difficulty, and, if possible, to explain how their situation has now changed / improved. This is officially called a Notice of Correction although it is now used much more for explanation because disputed information is flagged separately since implementation of the Data Protection Act 1998. The inclusion of a Notice on a credit report means that any application for credit made by the consumer would be referred out of a lender's automated decision (scoring) system and the content of the Notice should be taken into account alongside the information on the report and, indeed, that on an application form. The majority of lenders recognise that unexpected redundancy, and other sudden changes of circumstances beyond an individual's control, can cause usually creditworthy people to struggle with their commitments for a short time. This is why many take the details of mitigation in a Notice into account when assessing applications for credit if that individual's finances appear to be back on an even keel. You may wish to discuss this with one of the CRAs (CallCredit, Experian, or Equifax) These days, because all major lenders share full information about customers, lenders expect to see some credit history when they carry out a credit check. Most CRA data is positive and shows that most people manage their credit commitments very well. As a result, retaining this information supports people's credit applications and enables lenders to quickly determine the creditworthiness of applicants, which is in everyone's interests. Yours sincerely Joslyn Gooding Consumer and Competiton Policy

Dear Mr robnfc Many thanks for your email to Nick Clegg MP. Nick has asked me to contact you on his behalf. I apologise for the delay in responding but I hope you’ll understand that, due to the sheer volume of correspondence that Nick has been receiving, it can take some time for us to reply. Thank you for your email about the dangers of identity fraud. Liberal Democrats recognise that many people have fears that in this age of credit card and internet where so many payments are made electronically, there is a real danger that ever more people will fall victim to identity fraud and theft. Indeed, Nick and our Shadow Home Secretary Chirrs Huhne have in the past highlighted these dangers and have been working to bring forward workable solutions to these problems. Liberal Democrats have called for statutory powers to be given to the Information Commissioner to carry out inspections on the data retention procedures of large private companies, on a comparable to the powers of the Commissioner to investigate data handling across the public sector. Liberal Democrats also propose giving the Information Commissioner the power to fine companies with regular breaches of database security. Thank you once again for emailing. Best wishes, Bess Mayhew Office of Nick Clegg MP

hmmm seems today is reply day : Dear Mr Robnfc Thank you for your e-mail of 30 November 2009 to the Chancellor Alistair Darling about an issue you have with a debt recovery agency. The issues you raised are the responsibility of the Department for Business, Innovation and Skills. I have been asked to reply. Please accept my apologies for the extremely lengthy delay in getting back to you. I understand your concerns that you did not give permission for your personal information to be passed on to a credit reference agency and as such you feel there may have been a breach of the Data Protection Act. The Data Protection Act gives individuals the right to know what information is held about them and provides a framework to ensure that personal information is handled properly. The Act states that anyone who processes personal information must comply with certain principles which include that personal information is: Fairly and lawfully processed Processed for limited purposes Processed in line with your rights The Information Commissioner’s Office (ICO) is an independent UK supervisory authority that oversees and enforces compliance with both the Data Protection Act 1998 and Freedom of Information Act 2000. The ICO has powers to take enforcement action against organisations who fail to take an adequate duty of care with people’s personal data. If you feel that information about you has not been handled according to the Data Protection principles, you may wish to contact the ICO. They can be contacted by phone on 0303 123 1113 or on the internet at http://www.ico.gov.uk/complaints.aspx Yours sincerely Joslyn Gooding Consumer and Competition Policy Ms Gooding will be getting an email back as she has totally ignored the whole point of my original letter.

ok first reply: Dear Mr. Robnfc I am writing on behalf of David Cameron to thank you for your e-mail of 22nd February 2010. I apologise for taking so long to reply; our office has been inundated with correspondence in recent months. Nevertheless, we are grateful to you for getting in touch, and I have taken careful note of the points you raise. I am sorry to learn of your recent difficulties, and can well appreciate your frustration. As you may know, if elected, a Conservative Government would create a new Consumer Protection Agency. This will take responsibilities to protect the consumer that are currently and confusingly divided between the FSA and Office of Fair Trading, and place them in a single powerful body able to stand up for consumers and ensure they are treated fairly. In the meantime, you may wish to contact your local MP, who is able to make representation to the credit reference agency on your behalf, and hopefully get to the bottom of this particular case. I have also forwarded a copy of your e-mail to John Penrose MP, Shadow Minister for Business, so that he is aware of your concerns. Thank you again for writing. Kind regards Kurtis Kurtis Christoforides Office of David Cameron MP I have sent an email to my local mp and also a follow up Email to Mr Penrose asking for his throughts.

what about those of us who just had claims stayed with the bank , has there been any POC guidelines published as I would like to start court action against natwest

OK , after nearly 1 years battling with the FOS and CRAs I think its safe to say I have lost all confidence and respect for the British financial sector. I wont bore you with my story but needless to say its the same as millions of people up and down the country who have had their live effectivly put on hold due to defaults and other rubbish on their credit files. So as ive tried to get an unlawful default removed from my credit file and it got me no where , ive decided to see if Mr Joe Public can really change the minds of the countries top brass. Therefore I will keeping a blog on this site showing my progess of trying to change the law on data retention and unregulated CRAs. I wont go into to much detail of what my first letters will contain as there will be some very personal info in there but I will be sending letters asking for change to the following people: Herman Van rompuy (European council) Jerzy Buzek (European parliament) Gordon brown (PM) Alistar darling (COTE) Nick clegg (Lib dems) David Cameron (Conservs) Richard F Smith (Equifax) Don Robert (Experian) Mike Green (Call credit) Michael Coogan (Uk mortgage council) David Thomas (FOS) I will post responses on this thread and keep it upto date whenever I get any feedback. The letters will make it very clear that I intend to challenge every aspect and law that CRAs hide behind when they deny us our basic rights and why the government seems to ignore this. Obviosuly this will be a slow process but I intend to take this as far as I human can. The first letters will be posted today by 1st recorded post , i will post the repsonses on here as soon as I receive them. Thanks

ok let say I have the letter of acceptance in front of me and ive sent a copy of this to the fos who handled my claim for me , you still think they would retract from the acceptance?

Lets say I have a debt with a dca for £2000 , i ring them and say Im willing to offer £700 in full and final settlement of this account , they say yes and send me a letter saying they have accepted this as long as its paid within 4 weeks. The money that I was going to use to clear this debt then doesnt arrive in time from the inland revenue, but the original creditor of this account has offered me £1200 in payment of ppi and charges , can i then say send £700 to the dca and send the other £500 to me as the dca have accepted £700 as a final payment. Obviously the original creditor would send the full amount to the dca if the debt is more then the rebate but the dca have accept a lower amount. Just wondering as I dont want to get done for fraud or misrepresentation or something stupid like that.

yeah sorry , should have explained basically they had our earnings and hours totally wrong , but we had never claimed before so we didnt know what was the right amount we were entitled to so we never contested it , we just looked at what we would get. They said it was our fault because we agreed that the figures on the claim were correct (we didnt we just didnt contest them), i didnt know if there was a way we could get this backdated as it was their cock up.