These papers received by them as DSAR after two reminders. No Agreement papers. Please advise my next step, I am desperate to remove the default else I am stuck for 6 years. Your help will be highly appreciated. 1. Order Information 2. Account History 3. Account History Notes 4. Address Details 5. Address Details Notes 6. Account Log 7. Account Log Notes 8. Telephone Number 9. Telephone Number Notes 10. Last Status Update 11. Last Status Update Notes 12. Date of Birth Update 13. Date of Birth Notes 14. Payment Protection Screen 15. Payment Protection Screen Notes 16. Account Arrears Activity 17. Account Arrears Activity Notes 18. Application Information Screen 19. Application Information Notes 20. Additional Application Information 21. Additional Application Information Notes Thanks and regards. NAC

Studio refused to remove the Default Notice, stating that is the true reflection of your account with us and now closed. Also they refuse to give me the deeds agreement saying as the account is closed so we are not liable anymore to send the deed agreement. Any idea how to lodge a complain to Fair Trading and theInformation Comminssioner. Thanks and regards NAC

Hello Durkin, Do you have any set format (speciment Letter) to write to the MP regarding this issue. I also would like to write to my MP to do something about this issue. Your help will be highly appreciated. Thanks and regards NAC

Hello Reallymadwoman, The amount was £435.00 only (as I mentioned earlier - as soon as I received the letter in my new address I payed in full and settled the account). My credit file is excellent apart from this Studio default, No miss-payment, no overdraft, I hardly use credit card. Full time working - x amount goes in and x amount goes out, thats it. I already wrote to CRA to put note against the default account (Studio), which they already did. Since then I have not applied for mortgage - yes I did spoke to them and explained the situation and they advised me to wait at least 4 to 6 months and then apply again. The question is after 4 to 6 months what is the gaurantee I will get mortgage. This is the right time for me to buy a house and that too seen near my daughter's school. I do understand they (Studio) are right in doing so, on other hand it is not fair too (will stay in record for 6 years). Thanks for the reply. NAC

Thanks for the reply, seems not way out but going to give a try. I am going to write them back stating that I have not received the default warning letter from them (whatever their system says doesnt matter to me), therefore it is illegal. Let see will keep updated here. Any legal advise from expertise over here would be much appreciated. Thanks and regards NAC

Hello Reallymadwoman, Yes I did apply for the mortgage and was refused. After refusal straight I got my credit report and found this default. So somebody advise me to put correction of notice something like that so I did that. You are right the account says settled (paid in full). The mortgage advisor told me that Default against your credit history is the reason for the refusal. Thanks for the reply. Regards NAC

Read plenty of thread over here, I beleive there is someone out here can help me out. Story in short My wife opened Studio account on my Name in 2006 for purchasing Christmas Gifts. (I was aware of this). Was paid regularly since then. In February 2010 we got separated (now I am living in separate address rented). Managed to sort out all the financial accounts but somehow Studio Account was overlooked by my self. In July 2010 I received a letter in my new address from a debt collector of Studio regarding miss-payment. Immediately I paid in full and settled the account. Now went for mortgage happily and was advised to get a credit report. Got it and found there is a default notice against Studio account. Followed the instruction/examples/ procedures mentioned on sticky notes over here to remove the default notice. First letter wrote them very polite, explaining the situation and requested them to remove the default notice as a good will gesture. They replied with a bit rude letter stating that this is your true reflection of your account with us, therefore will not be removed. So followed the sticky note example (letter 1). Got reply (below) Your Ref XXXXXX Our Ref XXX 28th July 2011 Mr Xxxx Xxxx Xxxxxxxx Dear Mr Xxxxx Thank you for your recent letter, which has been forwarded to my attention. In order to obtain a copy of your credit agreement, please forward the statutory fee of £1.00 (I did not sent this so will do with my next letter). With reference to your request for a copy of the default notice, default notices are produced by our computer systems and we do not retain copies of them. We are not legally obliged to retain a copy of the default notice, or to supply you with a copy of it. We are only required to retain a record of when it was sent, 3rd June 2010. A sample can be provided if required. There is no deed of assignment as Studio still owns the debt. Assuring you of our best attention at all times. Yours Sincerely Xxxxxx Customer Liaison Advisor What should I write back to them? I will be sending £1.00 for credit agreement. Your advise, guidance and help will be highly appreciated. I want to buy a house near my daughter’s school (she is 5 years old) and stuck in this Default Notice system.