OK ill get it done. Thanks. Ive also asked the CRA if they have any log of when defaults were first applied, surely they must have the info if it was changed.

Thanks... as ive just taken out another CC with Cap1 (to improve my rating) is this wise, or will they not care about an enquiry for a past account.

Hi, My main aim here is default removal on the basis I believe the default date is incorrect. I sent a recorded letter to Lowell (who took on a debt of mine from capital one). I requested a copy of the default as I do not believe the date of the default is as shown on my credit file as I have no record of receiving a default on that date in my records. In fact I have no record of the default at all, but if anything I think it would have been earlier than stated. I included a postal order for £1 for them to supply me with the original credit agreement and the original default. The date of the default in my credit file is July 2008. There are no entries on my credit file for this account prior to the default, it shows the whole of 2008 prior to the default as empty and nothing before that. I did settle the debt fully in Dec 2009 so the account is showing as settled on that date - as a side note I believe defaults should be recorded within 6 months of non payment, or if no payments have been made in a 6 month period, clearly this is not the case on my credit file. they have responded saying "Your comments have been noted but we would advise you that legally we do not have to provide you with a default notice from ourselves as you will have received the default notice from the original creditor at the time your account went in to default" They go on to say "With regards your request for a copy of your credit agreement in accordance with S77(1)/S78(1) of the consumer credit act 1974. As our account was repaid in full on the 13th of October 2011 (not sure why the mention this date as it shows being fully paid in 2009) we would advise you that S77 (3A) expressly states that we do not need to comply with your request where no sums of money are outstanding on the account. Please therefore find enclosed the £1 sent with your letter" Where do I stand on this, im not overly bothered about the credit agreement, but I need clarification on the default to ensure it was actually issued on the date noted in my credit file. Thanks

i had a look today at my latest credit file, and the RCI part of the file is gone, the whole agreement is gone. Very strange. All i done was send them a letter regarding PPI charges and tagged a part on at the end regarding the credit file default notice being wrong. They then replied about the PPI but never mentioned anything about the default notice, ive been so busy I hadnt looked at it recently till today, and to my surprise it had disappeared. .. im not complaining!

This is whats shown on my equifax account ... s18.postimage.org/n0jnjr7ll/default.jpg

I dont know, it was so long ago. I will request it from them, but regardless I still think the Default should have been put on my credit file a lot earlier than is shown.

Thanks for taking time to reply. I will SAR them.. Yes i used the FOS questionnaire and forms.

I had a hire purchase agreement with RCI (Renault). I missed various payments and eventually defaulted on the account. Since then I have almost paid the account up and owe them about £200 still which I have agreed to pay them next month. Although on top of that im claiming back PPI and charges (£40 a letter!), but thats not what im here to talk about. My question is are RCi in the wrong with thier default on my credit file, in terms of date... I think the ICO says that default should be noted on an account within 6 months, this is the comment from here: ico.gov.uk/upload/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.pdf "Accounts should normally be filed as being in default where those payments due have not been received for six months." looking at my credit file below they should infact have registered the default in at very least oct 2007 (meaning the default would drop off my credit file next year) but infact they kept it going for over a year and a half before registering it. What are my options here in terms of getting the default put to the correct date, and is my interpretation of the ICO document correct? Thanks

Hi, I sent in a letter to RCI financial asking for my PPI money back, they have responded by letter this morning telling me that the company that administered their PPI has gone in to liquidation and that I need to claim via the Financial Services Compensation Scheme. .. how do I find out who the company is, or does anyone know, ill send another letter to RCI but thought I would ask on the off chance anyone knew who RCI dealt with.