Ok but the default is now in capquests name and the OP is saying they got nothing to do with it now its been passed over.

Update. Natwest removed default after a letter of apology and given indefinite time to repay aslong as I pay something each week. Virgin definitely removed default. Cackquest bought the debt but cannot provide any paperwork and apparently home retail group have nothing to do with it. So does that mean I can force Cackquest to remove the default from my credit file until they can provide the paperwork? It has been nearly 3 months now. If I can how do I do this? Thanks for your help so far credit score gone from 98 to 532 what a difference this has made.

***UPDATE*** Natwest are re investigating and are not happy with their collections sub contractor and the way that i say they handled the case. Cackquest 28 days on sent a letter saying they are still waiting for paperwork to prove i own the debt. (They sent a letter saying they own the debt a few weeks back) Here is hoping they cant find the paperwork and there stuck with the debt. Virgin Agreed to remove the default for full payment. Egg cannot produce any form of paperwork let alone statements to claim ppi back - What do i do here?

I looked at the bcobs for natwest. what happened with natwest was i got into difficulty and i phoned and said as long as i stay in my OD but dont make any payments will i be ok to leave it and the phone operative said yes. So i did 5 months later the accounts closed and natwest send letters asking for the lot back immediately. Which they are well withing their right to do. However i told them about the conversation i had with the telephone operator and they said that they will look into it.. . in the mean time i get collections harrasing me with calls and i said i will make a token payment until the matter is resolved as by now i was getting huge charges been added on and then the DEFAULT whilst the account was being investigated. Well i gave up as they said they were no longer dealing with me as i refused to make larger payments than they wanted and that they were in no way legally obliged to take a payment from me unless its what they want. I kept making and still make the token payment into the account. And i get phone calls from this collection agency saying i must stop paying natwest and pay them. I told them i will keep paying natwest as the debt it with them and not the DCA ( i will get name next time they ring). The egg debt is 7 years old and Capquest cannot get any information for me and neither can egg i was going to reclaim charges but cannot get the info. I tried years ago. And i will ring virgin when i get home see what they can agree to.

Debts are as follows:/ Natwest 8,500 o/d was 7,500 Defaulted nov still arguing like mad over the default. Capquest Egg, 1,800 defaulted 7 years ago removed from file still paying. Capquest Homeretail Group: Default balance: £356 Capquest + HOme retail group charges added now £1108 Virgin: £103 defaulted paying in a few weeks to get default marked as (s) so thats 1 down. Oh and i got a letter with 2 lines on it from cackquest we now own the debt.

Update: They sent me the CCA as it was a online agreement there is no signature just my name printed. I have asked them for a statement and told them that until I am satisfied of the amount i will not be making a payment and seen as i have another account i am paying back with them with a financial hardship attached to it they will most probably have to add it to the queue. Experian and Equifax looked into the entry and said that the name has been changed as cap-quest are now in charge. SO if this means they own the debt should they not have sent me a letter saying so? Whilst i have been waiting for the letter to arrive i was getting calls from a Tracing Company employed by cap quest to check my details and i refused and said they had my details sorry. They told me "we will ring everyday until you do" o i did reply i will add you to my call barring program sod off. The calls stopped now which is good i can sleep beyond 8am on my days off.

I have no archived but then maybe your right they just changed the name from home retail group to capquest. My Experian report is down until tomorrow (update of address) and my Equifax is the one im going by it does say the entry was made on November 27 2012 no payment history etc just opening with the default. I do not want to list my debts I was just after advice on this default so looks like it is legal. I will definitely post back tomorrow I can understand my Experian report much better than Equifax.

**edit no interest or charges

I am paying no interest or charges on any money I owe I got that frozen. IVA or bankruptcy is not a option I have planned all my finances out and a firm believer in I got myself in the mess ill get out of it. Credit Files However I hate. I hope to be better off one day and pay the debts back faster and move on with my life. Even if HRG delete the entry for a NEW entry to be added and marked as default by a separate company in my understanding of the procedures Cackquest have to send me a letter to back up the Default on my file. Otherwise HRG issued the default 7 months ago and now im going to be harmed for 6 years 7 months. They have extended the default which I think is like a sort of punishment?

Hello im going to cut a long story short. 1. Debt with home retail group 2. Home retail group pass debt onto cackquest 3. Home retail group DELETE their records from my credit file 4. Cackquest open a new entry with DEFAULT 5. Been as it is cackquest that has enterd the default should there first letter not have been to issue me with a default notice and not hello you owe us? I told Experian and Equifax and there looking into it saying that cackquest should have sent me a letter. Now im only talking to a phone line operative not the guys in the basement am I right and got a good chance of having the default removed? Cackquest are upset anyway because they bought the debt and have to stack it ontop of another debt that is due to be paid in 2019 with this ontop they get all their money in 2026 but they have my letters declaring severe debt and agreed that the re payments will never change Im paying the debt back not avoiding it please understand that. I was just wondering if I managed to avoid a Default altogether.

Goes back 2 years..... Letter sent i owe money lots and lots of to and throw and lowells could never send a cca or prove i owed the debt. RESULT I GOT A LETTER LAST WEEK SAYING THEY RETURNED TO SENDER :-D:-D:-D:-D:-D:-D:-D:-D:-D:-D:-D

Your local council environmental health will help... they will condem the property for sure live electrics should never be exposed to water. Also your ll under the tenancy act has a legal responsibility to fix the property within a reasonable time otherwise you can legally get someone out to do the work and then you take those costs out the rent. Speak to your council they will be round quicker than a quick fit fitter and tell the ll or the ll agents to fix it immediately. My house flooded and ll wont replace carpet thats rotten - RENT HELD - Moving out - Environmental health fining ll.

UPDATE. FSA say that because i have not paid monthly i have breech repayment terms... Terms and C do not say that at all which was confirmed by tier 2 customer complaints. Natwest refused at first to speak to me but i got a number that took me direct to customer complaints. FSA are not interested but natwest will see what they can do as they have the recorded conversation where i was told that i can leave the account alone untill april and make huge payments. However given this evidence i was told that i most probably will have the default despite when recieveing the phone call i have tried hard to sort it out and continued to make payments. I have accepted to keep paying interest because at the end of the day i owe the money and have every intention of paying it back. To be honest the person dealing with this seems a great person and understands that i am not and never have tried to not pay this debt i just wanted to pay some smaller debts off to raise more money to pay this huge debt off. However that post raises some interesting points and may aid me further. Natwest have said that if this complaint fails they will not speak to me no more. This cannot be right i must be able to fight this as long as i want especially seen as they admit their advice last year was wrong.

Ok a update on this natwest point blank refused and pointed me in the direction of OFT they say that get this... Yes we can accept your token payment BUT we will issue the default and pass it onto the debt collectors as we do not formally agree this. Basically i went in there all guns blazing firing law statement after the other and i think i scared the hell out of the supervisor who said speak to the OFT and hung up. OFT have sent a complaint to natwest and said that in 6 weeks i have to phone back and they will then take over and deal with natwest and judging by what i said it is likely they will take over. Kind of makes me think OFT are having some problems with natwest recently.

£5 a week all i can afford really so its £20 a month of the debt better than £1 a month