thanks for info but i have checked out this company and it has no relationship with my mortgage company at all. The only thing what i think these are related to is Halifax, 1st credit or CAI Finance has these are the only companies with that default info but i cant find a link between them all with this company. Experian says ring them if i dont know who they are so i be doing that tomorrow has i haven`t a clue about them..

Just an update here. I got an alert on my exquifax this week saying that 1st credit has being deleted from my credit file. Now yesterday i had an alert from Experian saying that WEBB RESOLUTIONS (1CL) which says this: Company name: WEBB RESOLUTIONS (1CL) Who's this? Account type: LOAN Started: 10/09/2005 Current balance: Settled on:11/11/2009 File updated to:10/03/2013 Status history: [] brackets indicate most recent months status [ ] now i only defaulted with Halifax on the 11/11/2009 on the loan. Who are the hell this company and has anyone had dealings with them. But also it seems the default amount is`nt listed just like it wasn`t when 1st credit sent me a statement of account. But also what has appear since 24th March CAI Finance which after research is new name for 1st credit (i havent recievced any letters yet to say they changed name) but says i defaulted already but i have a 6month window break from payments with 1st credit due to me being on maternity leave and dont have the money to pay the £100 a month they want, i have also got a copy of the letter stating that we have this agreement in place which is in writing too .Is there anything i can do about them defaulting the payment history even though i have paid previous payments to 1st credit on time to them. I think i may send in a CCA to CAI Finance and would i send my SAR to them aswell or would it not be worth me bother with these. Cheers Guys

Well i had an alert from Equifax saying 1st credit agreement has not being deleted from my file. After checking Eqiufax, Experian, noodle, check my file, only Experian has the Halifax default but if that is the case if 1st credit has given it back to Halifax i would of thought Halifax would of kept the ppi claim money. So really then if there is no history of me paying anything to 1st credit then has it is not on my file anymore. So i just wonder who owns the debt has Halifax is saying 07/2011 last update from the account plus Halifax has ended the credit agreement years ago so can they still collect the money if i was to offer any new repayments.. I just wonder how it all works with creitors selling and ending agreements to DCAs.

ok i know it still be there it just so that anybody who searches me know that i actually only have 1 debt and not the two and they can see that Halifax has sold it to 1st credit and they dont owned the debt anymore.

Since Halifax is still has default i am going to send them a letter to tell them to marked has settled because they have sold the debt to 1st credit which i can proved they now owned the debt. 1st credit had recorded the account has default even though i have made 3 monthly payments but still saying i defaulted on there payments which i havent even for the months i have paid them. Is this right and can they do that has i would like it to show i have made payments to this debt so i dont look too bad has it will proved to any or if i do apply for loan that my finances have changed and it was due to losing the business in 2009 what got me here but and to proved i am back on my feet and in a position to repay my debts instead of running away anymore.

Oh yes and i think a donation to be paid very shortly to this site has it got me the money i was owned so its the least i can do...

Hi all, Just to let you know i have being successful in claiming my ppi from Halifax. My loan was in default but they had sold the debt to a DCA so i have got a cheque for the sum of £3678 from them. So i am happy now just need them to amend my credit file has their default is still register has default even though they sold the debt to DCA. But i checked my file and the debt has dissappeared from the Halifax and 1st credit not on my file, email experian about it to ask why they arent showing and waiting reply.. So i like to thank you guys in the advice and help you have given me and also the confidence in tackling my debt problems, i wouldnt of being able to do it without you guys and this site.... Cheers

Hi all, I have register with 3 CRA`s i have default which was orignally with Halifax but it was sold to 1st credit last year. Halifax still had the default on my file as default instead of saying settled when they sold it to 1st credit this is why i say i have 2 but for the same debt. I try and explain this best i can up until now both debts were listed on all 3 CRA`s but they have dissappeared apart 1 where only the halifax one is listed. Noodle - No mention of both defaults Credit Experian - mention both on the 8th march but now 15th of march only Halifax is showed Equifax - No mention of both debts These listed debts were listed on all 3 previous just wonder if anyone knew why. I have sent email to experian why this is.. The only thing what has changed is that i just being awarded my ppi claim back from Halifax could this have any affect on it?.

Well the default from when i spoke to lee should of said £58 and not £225, has Lee is still waiting i presume from the dca who i sent letter too about the amount i owned them but now i got a letter saying it is settled so i havent heard from Lee to find the full reason why it has being settled. But it was incorrectly on my credit file in the first place. I am just glad it is sorted now and wish i had done something sooner about it really instead of burying my head in the sand due to other debt i had at the same time..... Lesson learn now if someone says i owned then money i get on the case straight away and get it sorted and dont buried my head in sand again..

Hi all its being a while since i posted this but Lee has being in touch all the way and thank you for that Lee. Just to let you all know Vodafone has settled the account now and has changed it to satified on credit file. I have also reciecved £25 free credit from them not sure if this is from them for the problem or not but it was about the same time i got notify about the settled account. So i like to say thank you again to Lee and i am happy now:)

Thanks to Lee getting in touch, He is looking into it for me and the amount looks like it could be wrong but i am grateful for his time and effort in sorting this out. I feel alot better trying to sort this out now and it makes a difference in speaking to one person instead of the different customer services advisors.

I have now done email and sent it so i will wait now and i will do what Brigadier2jcs said. Thanks for replys and hopefully i get this sorted and i will post on back on here to keep everyone updated

Hi all, it says i have to post my problem and one of the vodafone webteam will be in touch so here it goes. I had a mobile phone business contract with vodafone and it got in arrears in 2009. I rang vodafone in 2010 after insurance pay out, would been about December and i asked vodafone how much do i owned and i needed to keep the number still but i want it on PAYG. after speaking to them and paying in total £388.86 to them. Now vodafone has put a default on my file for £225 which i believe i dont own then the money anymore. If i hadnt paid the money i owned them then surely there wouldnt of relaease the number to PAYG. i had a DCA asking for money and spoke to them and told them i dont own them money and to provide me with proof of that i do. Which never arrive and i never heard from them after that. What i also notice on the credit file is that Vodafone hasnt even got my D.O.B right it is it says i was born the ...1980 well in fact i was born in ... 1978 and i had no reason to tell them any different. i asked the webteam could you sort this out for me i cleared any outstanding monies with yourselves in December 2010 has i spoken to the credit control department. I am sick of seeing this debt on my file has default and want it sorting has i still used the phone and the phone number if i owned the debt still like your credit control said until i paid the debt they cant relaese the number. I be grateful if we could get this resolved. Thank you

Hi all, i have asked on here about my ppi and very grateful for the advice and templates given to me. I am in the process of filling out the fos questionnaire and doing the letter then i came accross the "WHICH" website and i fill in 1 form on there and they email my complaint to my bank and i have receivced a letter from my bank saying they are looking into my claim. I just thought i share this with you all but i hate filling in forms but this seem really simple so check their website out and see if your bank is willing to accept claims by emailing. Saved me alot of time. Bear in mind i knew my Loan application number so they had that info to process the claim..

Hi all, I am employed has a class 2 driver i being with the company since april 2011. I was pregaent in april when i notify my boss and the company did a risk assesment and we decided i couldnt carry on doing the driving job while pregent due to health and safety has i was at risk of falling from the wagon and also i couldnt lift the any loads of the vehicle. So we agree that i be train on the computer system and help out, then a lady from another branch was leaving and she did admin so i moved to that branch which was closer to me anyway and i do that job until i go on maternity leave then on my returned back to work of maternity i be doing my old job. Right not a problem so far apart from before i left the branch to work at the other branch i was told by the boss/manager that he can only keep my driving job open for 6months when my maternity starts. I just wonder if he can hold me like this has i love the driving job and i thought that my job would be save for me at least for the 12months if i decided to stay off that long, it is more and likely i go back at the end of 9months. I feel pressure in returning to work early then i want too. Can he do this?.