Hi, first post so sorry if I've fumbled any protocols. I've read another member's (upovereyballs) thread who has successfully removed a DCA default, which was sneakily put on his CRA report even though his original creditors had already defaulted the debt. He did this by drafting a letter before action letter to the MD of the DCA, and reported that two days later the DCA sent a letter informing him they'd remove the default. Unfortunately, the right honorable member didn't offer a draft for me to pilfer and I'm not articulate enough to formulate one myself. I can't for the life of me find a standard letter of action template to play with. A little background; I have successfully fought off County Court claims by both Lowells Portfolio and Hoist Portfolio by defending with an embarrassment for the particulars of claim. The original debts are both statute barred anyway, but I thought it better to defend without admitting any knowledge of the original debts. So now I want to get the sneaky defaults kicked off my credit report and have read it's nigh on impossible to convince either the CRA or the DCA to do this, and the ICO could take over a year to even acknowledge there's an issue. So the LBA seems the way to go. I am fully prepared to back up the threat of court action as I believe my case is solid. Any help with a template? I'd be eternally indebted (I'm well practiced) Cheers folks Paul

Hi, I know this post is 4 years old but it's the only one I can find with the answer I'm after. Do you have a link or file to the letter before action you wrote for me to pilfer? Cheers Paul