That would be a great help? Im struggling to find an address for the data controller Many thanks

Thank you very much, he even admitted on the telephone it was for one missed payment, I'm so angry, I will now be proceeding with a formal complaint to the date controller Once again thanks for your help

Just a quick update, Spoke to someone in customer services, He was very abrupt and blank , despite me still being with Vodafone and the simple fact is i missed one payment which was paid the very next month of a whole £30 pounds not £300 as i thought, The default will infact remain on my credit file, destroying all hope of a morgage for at least another 3 years, Whats more i was never passed to a collection agency or issued a default notice, Apprently They don't have to issue one. According to the Vodafone customer service, its automatic and they can NOT remove a default , On leaving the conversation all he said was * well i got a morgage with a default* Nice ! Lets just say i will not be renewing my contract at the end of the month.

Hi lee WRT135 - CAG [#10264094]‏ was the number given I tried to contact someone earlier VIA email, But all they gave me was details about my account i have now with you, This account is fine & up to date its my old account back from 2008 I have the query with Many thanks Michael

I wonder if anyone can help, Back in 2008 i struggled with payments to vodafone but i eventually cleared my balance in 2008 of £300.00, I have just looked on my experian report to find Vodafone have defaulted me with a balance of "satisfied" I had no letters to say why? I now have to wait another 2 years for removal but i am recently married with two small children and very much wanted to apply for a mortage, This is the only late/Default on my credit rating everything else is all up to date . This is really getting me down, as i did pay the balance back in 2008 yet i have to wait 6 years for this to be removed, Is there anyway or advice to help me get the default removed? Thanks in advance

After speaking to my father just now, He has just informed me that this is for an overdraft as stated and that it been £4000 from the start so only an extra £138.76 as been applied, There is no assets in the company either nor any guarantees, the company was running for 10 years plus. He also isn't a homeowner etc so has nothing to give etc.. Is it advisable to ring HSBC with a payment plan? Or simply ignore ( unless a claim form arrives) as he isn't actually liable and the limited company was? Thanks

Right ok will print out a subject access request, I don't think wescot have brought the debt as ive just re-read the letter they say " We have been instructed by our client to recover the above outstanding debt" so i assume the debt is still with HSBC, so is my dad actually liable for the debt? because if is he i will ring HSBC on his behalf and try and sort out a payment plan and try & bin off wescot. I would have rung them sooner if my dad had told me about the letters unfortunatley hes getting on and retired ( because of illness) and push his debts to the back of him thinking the debts sink along with the company. Thanks

Was the account covered by a directors personal guarantee? NO Was this a voluntary liquidation? NO , just ceased trading The debt is for £4138.76

The company ceased trading January 2011, He stopped getting statments then, The Agency is Wescot service LTD-HSBC, No CCJ has been given as of yet. But they are threatening Baliffs thanks

Hello all, Need some information for my dad... He was a director for a limited company but the company had money problems and ceased trading and has been closed down. HSBC are chasing him for an outstanding debt for an overdraft he had with his limited company. The Debt has now been sold to a debt collector who is now harrassing him. Can someone tell me if the director ( my dad ) is liable for the debt, or the limited company itself is liable? Many thanks

I wonder if anyone can help, I took out car finance in Febuary 2007, I went to a car garage who then applied for a loan for me, The loan was agreed by Black horse loan, although Each month I paid The funding Corporation. Now my question is if i want to go about claiming PPI which company am i asking? I dont have the orginal agreement anywhere, all i know is the date i took the loan out and the amount, I know i need to send a standered letter but i'm not sure which company I should write to Any ideas? Thanks

Hello I panicked over nothing, They came out and basically asked me if i had any change of circumstances, I said no as nothing has changed, I asked why they asked to which they said its just routine, they wrote this down and went on thier on way. I heard nothing since, But that was now over a year now , I am now married to man i was seeing and i dont need to claim anymore which im glad of ! Hope all goes well for you

Anyone?

Just wondered if anyone can help me, I have a "Yearly" Review, I claim Housing Benefit & Council tax, Im currently a single mum with 2 children ( Recent baby of 4 weeks) Now they want to see my last 3 months worth of bank statements, Whilst i have no problem with it, They will see im getting Maternity Pay, Child benefit, Tax credits etc... BUT over the last few months my dad has been helping me out with lending me money to buy baby bits, Cot, Pram etc... Will they class what my dad has lent me as an "Income" ?? As hes paid credits in to my bank, all in all hes lent me about £600 over the past few months, It clearly states on my statement its from my dad, as in £150 here & there... I wasnt entitalted to Help with buying bits for baby as i did * or still do* work, But my maternity pay just wasnt enough to get me by, Is it a crime for parents to help out? Will it affect my benefits? Thanks

Hi i know this may sound random and i expect i am in the complety wrong place... But im currently 29 weeks pregnant, Single & working part time (15 hours ) Am i entitatled to the £500 Maternity Sure start grant? I dont receive income support or Jobseekers because i work part time.. Anyone know? Thanks

Ok, thank you very much for your help

Thank you for your advice, You say Documents? As in... Bills etc... Housing agreement? Sorry to sound dumb, i dont know why im worried as i know im innocent, but things like this worry me

Hi all Im a bit dumb to all this and im very scared, I have a letter from my local housing office saying a matter has arison and they need to come to my home to interview me , its concerning my HB & CTB, Firstly is this for benifit fraud? and secondly why are they coming to my home? Ive only been claming for 6 months? Im 31 and this is the first time in my life ive ever claimed for anything (due to me and my daughters dad splitting) i have started seeing a new man, and i will state, he does not live with me, and i abide by rules he stays no more than once or twice a week... Why am i being picked on? When theres people out there that do fraud for years and years and never get caught and then theres innocent me, claimed for the very first time in my life 6 months ago, Im frightened to death about the whole situation...

As below

Sorry im unsure how to start a new thread, im currently trying to stop wentworth Direct taking £49.00 out of my bank, i rang my bank but they told me its "Pending" and cant be stopped, the payment is due to be taking tommorow, or Midnight tonight, I have been on hold for over an hour with went worth direct with no luck, if my bank cant stop the payment do i just let them go ahead and take my money??? The reason for stopping this payment is they sucked me in and made it all seem great and now i have just realised this company is actually a broker and not a loan company.

Nothing just a HUGE sticker stuck to my window

Hi all, after a bit of advice, i currently live in a town where the parking officers are ticket happy, I was issued *Apperently* with a ticket,But being in town near pubs & clubs people think its funny to take your ticket off a car and pass it to another.... I then recived a letter from a baliff threating legal action, after numerous phone calls to this complete and utter idoit i ended up hanging up on him as he wouldn't listen to the simple fact that i never recived the fine in the first place.. To my Discust the next morning my car was clamped down the road where i live asking for £500.00 plus extra cost's to release this clamp, i was horrfied as i had my baby with me and i had an hospital appointment, i was in tears and he wouldnt release unless i paid cash upfront and told me to lend it off *Family*. In the end i paid up thanks to my mum, i have tried contacting the council who orginally gave me the ticket but they say they sold it on to the baliff and theres nothing i can do? For a parking fine of £40.00 i had to pay back £568.00 im mortified and upset. Any way forward??

hi I didnt get no Notice of Assignment for each account. The accounts are still live and have not yet been terminated, Each account were pretty much opened in the passed two years.. Im guessing im in a right pickle :o(

Hi Im new to the site and after help, I very shamlessley opened up several online catolgues i.e Littlewoods, Kays, LX, etc.. I have now got myself in a silly amout of debt up to £4000 and have Lowells financial company sending me threating letters, i havent yet got any CCJ's but the intrest on the catologes are killing me,I have tried to explain to them i can only pay what i can afford, i know its my own fault and im trying to sort out as much as i can ,but they just dont seem to care or offer me any kind of time to pay Thanks

its 2 years old , what is statute barred?