Arrow never did reply to my F&F. They are cheerfully enough accepting payments direct though. FOS have ordered Egg to pay up more PPI. How Arrow and Egg now resolve the balance problem will be interesting. Doubtless I'll end up complaining about Arrow pursuing a disputed debt sum.

Safestyle have been hitting our street a lot recently. A few houses have used them for new windows and our neighbourhood is clearly on their target hot list. We have had them knocking on our door at least 4 times that we know of and we made it clear on their first visit we weren't interested. It was hard getting rid of them on the first visit. On the second visit my OH and I were decorating and really couldn't speak to them. My young daughter answered the door and the Safestyle salesman stomped off swearing loudly "feckers this" and "feckers that" in front of my kid. Just the other day I had got back home from a camping trip and was unloading my car and putting the gear into our garage, when the same fruity mouthed Safestyle salesman approached me on my driveway. Now the fourth speculative visit. Once was enough. salesman: Want some new windows? me: no thank you. salesman: I think you need them me: no thank you. I'm not interested. I'm busy at the moment. salesman: not even in saving £4000? we have XYZ special deals on that moment. me: I'm really not interested, thank you. can you please go. salesman: your windows need replacing mate, I'll get some one to quote you me: Please, just go away!! I'm not interested. I don't want any windows. Just go. Try somewhere else. salesman: come on mate, we can save you £4000 me: I AM NOT INTERESTED. GO AWAY. salesman: come on mate, I'm doing you a favour. Look at these deals... me: look, just pish off will you? At which said salesman explodes into a fury of "you fecking this" and "you fecking that" and is joined by another Safestyle salesman from across the road in a tirade of foul, abusive language that is shouted out from across the street at the top of their voices as they are actually knocking on neighbours' front doors! They became threatening as well and to describe them as rough would be an understatement. Now, while this has to be unprofessional and stupid on the part of that company, I would like to know if door-to-door double glazing salesman from Safestyle or any other similar company undergo any training on the legal aspects of cold calling? Do they have to leave as soon as they are asked? Do they ordinarily get some training into reading the body language - let alone listening to the actual words - of the public they are approaching?

so in fact much, much worse then. a CRA charter even. what specific legislation is there in scotland that restricts it to 'just' 5 years I wonder.

Which part of the MLR and can you post a link to them?

Bliar's administration was Tory mate, in all but name only. Getting back to topic, the 6 year period that data is held has no grounding as far as I can discover in statute. The DPA does not prescribe the period for which information is retained by the credit reference agencies. The FSA Handbook refers to 3, 6 years or indefinitely depending on the product type. The 6 years comes from the statutory limitation period for civil claims. So account information is held by the credit reference agencies for a period of six years after the account was last active. It also appears to be the case that in addition to current credit commitments the preceding six years of an individual’s credit history is taken into account by creditors.

Just grind away at them Hippy until you get what YOU want.

The old Marshalsea Prison site in London is still vacant. A prime brown field site for a rebuild; as The Experian Correctional Centre? Or perhaps Barclaysea Prison? Nowadays it might work like this: Anyone with a credit scrore of less than 300 is locked up with their entire family until their debts are repaid + 6 years. They can work for their keep and there will be no tax payer involvement. The Experian Correctional Centre will be self-financing so in these budget constrained times there will be no drain on public finances. Anyone with a mid-range credit score gets locked up for 6 years with access to family plus 6 years after they are debt free. make it a round 12 for good measure, just in case they are tempted to apply for credit again. Good and Excellent Experian credit scorers are exempt of course, until they get ripped off by their bank and default on their mortgages in a global credit crisis caused by those banks. Then they go to Barclaysea and the key is thrown away. Should this be on the Tory's manifesto? Sounds like policy already.

that, imo, is EXACTLY what its about. they would bring back debtors prisons and breaking rocks for the rest of our lives if they could get away with it.

mate, your last question might get a better response in the credit reference agency section? although getting rid of a default is very difficult and it won't happen if it is an accurate reflection of your handling of the account. a default may get removed by the ICO if it is technically inaccurate or there was a technical breach by the lender eg they didnt send a default notice; or by the FOS if it is deemed unfair. To be unfair you will have to establish that the defaukt was in some way the bank's fault and not yours. try a new thread on the issue of the default on the cra section.

good points

I don't really see what the problem is with asking someone to prove their i.d. sorry.

Might have summut to do with it!

I personally think that CCA requests should be sent to the debt owner (in this case Arrow) and not to the DCA. I also see no harm in you sending them the id they require, after all, you wouldn't want any fraud being perpetrated would you? Tghere are those that conceal their signatures though on the premise that creditors often mock up credit agreements. In these days of recons being enforceable though I wonder why they should bother? Anyway, others may post up here with different views to my own.

any news from the SRA yet P1? so this is where you have gotten to CB

is there nothing under the "useful addresses" section of your CRF?

yes, just ignore freds. knobjockeys the lot.

and what if they haven't Brig? the courts have said a recon is enough to enforce.

Hey Tingy! You gone quiet! Where are you? OP needs Tingy!

I'm sure there are. But not the same posters. Other than you and I it would seem. Yes, as I say, they owe me £800 in PPI. They have only paid £400. I am interested in posters' experiences with the FOS where a bank has ignored the principles of an adjudication and a consumer is left having to go back to the FOS for compliance. The calculations have already been done.

Hi MC. Long time, no hear. I hope you are bearing up well my friend. FWIW, Arrow managed to get my default filed at Experian transfererd to them correctly. The only change that took place was the replacement of "Egg" with "Arrow" and the default date remained the same. With Equifax thus far the account ahs been filed as "Settled" with no Arrow input, as yet. Sorry to hear of your troubles with the CRAs mate. What some folks fail to understand is that while there SHOULDN'T be more than one daefult filed and for the wrong date, it does happen and it happens A LOT. Just read these forums. I suggest you go to Arrow first to sort this out. Send them a copy or screebn print if you have one of your old cerdit file and if necessary send Egg a SAR to get proof of the default date. If you still have no joy then it should go to the ICO.

FOS adjudicated PPI claim in my favour back in March. I was asked to sign their settlement form and was told Egg would be in touch with the PPI refund and calculations. In April Egg reduced by loan by £400 PPI whereas they should have reduced it by £800. They also sent me a cheque for half of the 8% stat interest I was due. I have gone back to the FOS asking them to review Egg's offer. Egg have responded to the FOS standing by their calculations, save and insofar that they say i am due a further £50 reduction of PPI. I say their 'calculations' but in fact all Egg have provided is a list of figures with no key to understanding how they derived their figures. My adjudicator is at sea and says he has to go to his superior for advice on what happens next. My question is: What can I expect the FOS to do now?

Not my personal experience mate, nor of many others posting on here. http://www.consumeractiongroup.co.uk/forum/showthread.php?279026-HSBC-Credit-File-Entries-Cost-Me-A-Job-Advice-Needed&highlight=hsbc+job+offer I suggest you read this poor bloke's experience of loss of employment caused by data abuse and the sordid cover up that took place ^ ^ ^ ^ The link is very much ON TOPIC.

I'm sure they don't want that, but thats not the point. the questionj is should they be able to utilise a credit referencing service, and which is notoriously inaccurate and difficult to get put right when errors are made.

yes but the point i'm making is that employers and private lanlords are not offering credit. the industry grew out of mail order catalogues in the 1970s and isn't adequately regulated.

Brig, of course the creditors can remove data. But they choose not to. The whole system is flawed because it was never intended to be used by employers, landlords and their ilk.