i have checked these are late payments , can i get these removed from my credit file?

forgot to say , the debt was for me being overdrawn with them , but its paid now in full and the account is noe closed. thanks for any help on this:)

having checked my credit histoy with experian & equifax i have 1 with nationwide which says status history - 004321004321 - balance £0 the account with them is now closed can i send them the letter template Re: Formal notice to desist from processing or disclosing personal subject data to get this removed from my file, same applys to one i have with alliance & leicester which is also closed

Am helping friend at work to claim back her bank charges , sent away the Data Protection Act other day , but shes told me it used to be in joint names with her ex-partner , but shes no longer with him , if she wins her charges back , the cheque will be in joint names , will she be able to cash the cheque without him , he's no longer staying with her and doesnt know where he is now. any help on this?

hi , think all you need to do is send a DPA Letter to them , any banking info they have on you they will send , remember to include £10 postal order for it thou , template is on site for you to use

Finnaly won my charges from nationwide thanks all , will send donation soon as i get money in my paypal account

well done in getting some back

just got my credit agreement from them and noticed mortgage indemnity of £550 on it it was a secure loan of 5000 we got but with this added to it and payment protection insurance added the ammount of the loan has added up to £7142.05 ppi - £1357.05 plus the £550 for mortgage indemnity question is these 2 amounts probably get interest added every month have they the right to add this on - mortgage indemnity insurance 2 weeks ago i cancelled the PPI form them and told the feckers to recalculate my loan with them but need bit of help with the mortgage indemnity insurance can anyone tell me if a account is in dispute , can they still add interest on to the loan having a nightmare with these they are saying they are adding interest on to it thanks all

only know them throu a advert in last weeks newspaper dont know anything else about them thou

well done on your win

send £1 postage order and ask for copy of the CCA, If they dont have it its unenforceable

hi , is anybody getting anywhere with NTL into this late payment crap i phoned them up yesterday about charge i had and told them , i will pay my phone bill but you can take me to court over the late payment fee and tell the court how you's came up with £10 fee , the woman on the phone said its computer that that sticks the charge on she also said no one has had it refunded yet ,

thnak Dave for your info , i phoned them up and have decided to pay it , they said they would update my credit file saying its paid when i pay it back

feckers thats all i can say , thanks for the info from both of you's , its a disgrace that companies can away with this crap when cancelling , what if it was them who cancelled it due to late payment , would the feckers stil chase you for the remaining months due on it probs yes a take it

hi wonder if anyone can help me , i took out car insurance and paid it monthly , but cancelled it 7 months into it , phoned them up to cancel it i was told i would need to pay the rest of the year's premium , i said no as i didnt need it anymore but was told i had to pay £160 to clear it . I refuse to pay it and ended up with CCJ for £197 can they make you pay the rest of the year's premium if cancelled serveral months into if you pay it in monthly instalments no claim was made on my policy

Hi i'm also about to file my small claim against nationwide , also at greenock , probs on friday they sent me the F off letter saying no CharlieHo i,ve send you a private message there

the feckers sent my credit agreement 12days bang on , received it yesterday from them ah well worth a try

still waiting on the Original Credit Agreement still no reply from them 2 working days left

ah thanks reading it now , didnt see it and i read all of this thread , oops

hi all , I sent my request for the copy of the CCA to welcome fin who received the letter dated 27 june so they have till Wednesday 12th July to send it to me , what do i do if i dont receive it by the 12 calendar working days ? cheers all

i have also asked them for Original Credit Agreements last week , so will let you all know also

thanks very much , will do , got my letter ready for posted to them when i get money back i will be donating 5%

hi all , sent nationwide usuall letter demanding my money bak and got letter today saying - no refund on my money shall i send another LBA before claiming court action giving them 14days to reply? charges - £315.36

my experian check looks good , but the last equifax i done in 2004 had a few things on it that are not on experian , strange a thought they would both be identical

does experian and equifax use the same sources to check your credit history ? as if i do the 2 of them there will be the same info on them thanks