As Andy says make sure every thing on the payments is crystal clear. Brig.

Good Morning, Just had a quick read, the letter makes sense, but the address matter does need clarification I think. Do you now have the copy agreement? Brig.

Technically this is not an agreement, but case law has change the acceptability of such documents as long as the creditor supplies the original and current terms and conditions. Also if they escalated the case to court and produced the app form and statements of the account showing traceable transaction a judge is likely these days to accept that it is proof of the debt. Although it is still open to you to challenge the app form bit my guess is they will again state that it complies with the sectt.77/78 CCA request. Brig. BRIGADIER2JCS

Hi it's Brig confused??? I'm terminally bloody bewildered:madgrin:

Ace, it's the Brig I know you have tried to contact me but there are tech probs arising from hacking. Brig.

Still here my friend just can't send receive PMs and other privileges anything I can do. Brig

It is the same old Brig with the:madgrin: It's all gone pear shaped at the moment, as a newbie .

More good info Ford. Brig The newbie:madgrin:

Well a little progress I can see my old account but cannot send or receive pms or have a signature, and have no rep. BUT I AM STILL HERE:jaw: Brig. BRIGADIER2JCS

HI BA, it's all a problem can't PM or receive them so no site privileges for a while Brig.

HI BA, it's all a problem can't PM or receive them so no site privileges for a while Brig.

Hi, it's BRIGADIER2JCS (Brig) I have a PM notification but not see it as my e-mail was hacked on Friday so I'm just a newbie now sorry:-(

I believe it does depend on the creditor, so get a letter off to the asking for the removal, send it to the compliance manager. Brig.

H Nikki, Yes it should be much easier to get the defaults removed. As to reclaiming, have a read through some of the threads on the subject I'm sure you'll find all you need, sorry I cant post links at present as I am reduced to newbie status as my e-mail was hacked. Brig. BRIGADIER2JCS

Equifax and Call Credit have similar services, you do need to contact all three as they are the most used. Brig. (BRIGADIER2JCS)

Have you now cleared the balance of the debt if so you can ''ask'' a creditor to remove the entry, it will their decision, and you would need to copy in the CRAs as well. If there is a balance defaulted it remains on file for 6 years then is removed paid or not. Brig.

Usually reviewed on a daily basis but does depend on the pressures on the court at the time locally 2-3 days is the norm. Brig. (BRIGADIER2JCS)

Good inf Ford Thanks Brig.

Good inf Ford Thanks Brig.

Hi GS It's Brig here after after e-mail hacking, I would do as DX said and get a SAR off asap. Brig.

Hi, Yes ICO just google/Freds Argos / compliance/data controller, I would RD these letters. Brog.

Hi, Hippy Brig here after being hacked so new user name. Yes send the letter to the compliance manager recorded. Brig.

Make it a formal complaint Copy in all the parties,get proof of posting. Brig.

If they try to alter the payments you can ask the judge to set the payments at a''reasonable'' level. Brig.