Sorry, when I login I can only see one document Apoligises . Ade

Sorry been having issues uploading the files. Ade Sorry, been having problems uploading the Files BSA_Invioce.pdf BSA_Agreement_Date.pdf BSA_outstanding balance..pdf Citroen 22.02.16.pdf Citroen 18.04.16.pdf

Hi Not been back on this website for a good couple of years (which is obviously a good thing) but recently encountered an issue which has\will threaten to undo all the good work of getting all blemishes issue's of my Credit history... I have a perfect credit score for the past 4-5 years till today. I had a lease car for 3 years (Banque PSA Finance), no payments missed including the last payment, when the car was returned that there was excess mileage and damage to an alloy....for which they then forwarded me an invoiced ..which I assumed could not be added onto the end Agreement and treated like it was an additional Payment. I sent two letters asking to set up an Payment plan (one on the 22/02/16 and one 18/04/16) to which I have had no response After finding that my next account has been suspended due to a change in Credit Circumstances, I logged on to find that on March this year they have registered the account as being defaulted (see image) My issue with this is that my contract was for 35 months from 28/08/12 which means the last payment is on the 27 July 2015 which was paid and from my point of the contract was completed and the Invoice for Damage\mileage they have added onto the account and then saying I have defaulted which I believe should be separate ? therefore negating the Default on my Account ? I know previously with help from this forum I have involved the ICO aa few times that have found in my favor and was wondering if it would be worth contacting them again docs1.pdf

Hi all I have Finally received my SAR....which is quite a lot of information to get my head around and obvously lots a Acrynom's every where but Im trying.......I have a few initial queries during my first glance through them.... One part says "last paid" £6.00 "on 12/06/09" - but there is no mention of this payment on date in the sent statement containd within the SAR...which seems fishy to me A few Entries say 20/09/10 "SYSTEM - Customer Contacted will not Pay" - can I quiery this as I have never been contacted and refused to pay 04/10/09 "Letter with Assignemnt Note" - I have never recieved this 02/10/09 CGCARLENEL - CALL TRIGGER - CST PAID DEFAULT CAIS OFF/ARREARS TO CAI" - can anyone explain what that means ? 08/09/09 CMLAURAR - SETTLEMENT DECLINED - as above never received a settlement 23/04/08 APRIL08 CAMPAIGN SETTLEMENT FIGURE £441.05 - Never been received 19/09/07 - PAYMENT DEFAULT 19/09/07 INSTALLMENT DEFAULT - ARRANGEMENT DISSOLVED there is also an entry saying " 11/08/07 LAST PAY INFO - 25 - 01/06/07" - this should be my last acknowledgement date ?? my last payment was a Standing order 01/06/06 which would make this debt Statur barred this year yes ?? ...but randomly there is 3 entries ..... 01/06/07 - standing order £25 03/07/07 - standing order £55 02/08/07 - standing order £55 I don't see how or why I would suddenly just send three stadning orders then stop ?? we did change banks about that time to what is know Santander from RBS and wondering if there was a mix.......what would be the chance of tracking this now there is also some email trails.....but the covering letter states "You will notice that parts of the information have been blacked out. This is because I cannot supply you with third party data" now thankfully some of the blacked out bits can be made out, the parts that Interest me are below and don't seem to be related to a third party at all "customer is requesting a copy of the complaints procedure and stating that the debt is statur barred" "advised that she was not are of the procedure and advised that she no longer had the mail. I have reviewed the Account and the man has never been sent [*something*] legal nor has the debtor been sent a copy of [*something*] I can upload the doc if any one wants to try work out what else is blacked out, but to me it seems they are may or may not be hiding something which could be of benefit to me

Annoyingly, once I had queried why the RBS had dropped off the Experian report the Caqquest accounts then appeared....me and my big mouth.... Quick update.........this is still in dispute.....and still with ICO Still receiving generic Letters from capquest say i have not repsonding to previous letter...blah blah.......will be sending the them a look after and protect the environment letter and stop sending things that straight into the bin

thanks Mr B I spoke directly to the Northampton court (some snotty woman) who said it was do the Lewis Group which I had never heard but had finished the Paying this off to CL Finance on 2011, but did say that I did not recieve any notification\documents regarding this CCJ, which seem to wind the snotty woman up for some reason ?? any hoo so does the trustonline actuall give you the original date ?? and this may be different to the Data on my Credit file ??

just my 5cent......check equfax as well...I had only been checking Experian which shows one default, but Equfax shows a CCJ listed from 2008 which I was not aware off, so the Experian report is different was a lot different than the equfax

I'm very Pi$$ed of right now...... as mentioned the RBS accounts have dropped of my credit file...with Experian\credit file just out of curiousity I have had quick look at the Equafax one and found two entries from capquest (never checked equafax....) Bank Default from Capquest Investments Limited 2 (I)/ XX37** Bank Default from Capquest Investments Limited 2 (I)/ XX64** 1 ) My questions are the RBS accounts, how or why can they disappear from Experian 2 ) How why does capquest show up on the equafax credit file and not experian 3) on the Equfax credit file there is also a CCJ from 2008 which I know nothing about, which again does not show on Experian.... but I have been paying and is marked as paid from 12/2011 which I do know about and did pay off but never received any CCJ notice How do I go about getting these removed ?? sorted out

Yes it was sent in the first response to me, but they did mention they have a huge backlog

received a letter from capquest....... I have a couple of questions, I think this account is still in dispute as I have not received my SAR still and is with the ICO as this has now vanished of my Credit File, do I still need to coresspond to RBS & capquest if it is gone of my Credit File, it cannot be re-added ?? thanks in advance......

I assume if I send a SAR (£10) to each Robinson Wau and Capital one.....then only one can cash the £10 ?? and it can't used as payment of the alleged debt ?

ah....yes the bit about repetitive correspondence, I missed that thanks citizenB okay will will send a SAR, but when you say Original Creditor, would that mean Capital One, As Robinson Way registered the Default, but aren't the DCA obliged to pass it on to the Original Creditor ??

Can you point me to were you have read that ? as I can't recall that and brief scan through the letters I could not see it, Im trying thanks CitzenB.... have not Sent SAR, as still having Troubling with my SAR to RBS so I have had to involve the ICO but that is a different thread I will get a SAR sent to them...I assume this will go to Robinson way (as the registered the default) and not Captial one but I did notice in the statement they sent there was a standing order sent to them in 2007, which I think might have a been an accident, as it was about the time we swapped banks from RBS to A&L

Hi all just a quickie update.....the last letter I recieved from them is still dated 21/10/2011 it was posted prevously here in this thread.... http://www.consumeractiongroup.co.uk/forum/showthread.php?305755-Robinson-Way-\-Harwich-Farrelly-issue&p=3599031&viewfull=1#post3599031 Should I be sending letter similar to what is in this thread who also had issues with Capital One and trying to pass "Guaranteed Acceptance" forms as CCA Post #31 or #32 ?? http://www.consumeractiongroup.co.uk/forum/showthread.php?226084-PDADDY-amp-WIFE-vs.-CAPTIAL-ONE-CCA-LETTER&p=2556591&viewfull=1#post2556591 or should I just wait and see what arrives.....I was expecting to hear something by now....

nope not really, but I have checked my Credit File this morning and it the RBS has vanished ?? is this because it is SAB ?? how long is account info on the CRA ?? can the CRA (experian in this case) tell me why or is it best not delve to deeply this is obviously good news, but do not want to get to excited until I understand why, but would this explain why there last correspondence is giving me an discounted settlement figure