Thanks a lot, will do.

Thanks a lot for your help with this, I will check how to send the SAR, I am sure there is a link here for what to do. Once I send it to Barclays and have the information from them, I will give you an update.

No, I did not know I had to send them a request, but Barclays confirmed it's been passed on to Links at the time. I had no idea I needed to do anything, i just continued making the agreed payments. I can't see any defaulted date in the summary or anywhere in the report. Is there anything I can do at the moment to remove it and also keep improving my credit rating?

Both are Link accounts, inherited from Barclaycard, this is all it says on the file.......... Details of Account - LINK FINANCIAL (BCRD) Type - Credit Card/Store Card Account started 26/06/1998 Current Status - Up to date Entry code - C3 Details of Account - LINK FINANCIAL (BCRD) Type - Credit Card/Store Card Account started 19/04/2000 Current Status - Up to date Entry code - C4

Thanks, that means it should no longer be on my file, right? How do I get it off my file if it is still showing? Thanks a lot for your help. Tunde.

Thanks a lot for the reply, yes I mean the payment agreement, if the default still appears on my file, how can I get it removed? Yes I mean how else can i improve my score. Thank you.

Hi all, Thanks a lot for your help here, much appreciated. My situation is that I had defaults on my credit cards and loans years ago (about 8 years ago), it got to a point I could just not cope with the increasing percentage of interest they kept adding to the credit cards. With the help of this forum, I was able to enter an agreement with the creditors and they froze the interests. I have been making these payments since then without missing any, started out with about £24,000, now down to about £6000. I wanted to find out what happens now that the agreement is over 6 years and how that should affect my credit rating. Is there anything I need to do that can help with the credit rating? I recently got a new credit card from COOP bank (it was a surprise!), I have been using it and paying back before payment due date. Is there anything else I can do or should do? Thanks a lot.

I have now received the notice in my name and need to respond that I am not paying based on the fact that the sign is misleading and there is no where that it says the waiting time is 10 mins. Is there a standard template I can use? Thanks for any help I can get.

Thanks a lot. I will let you know how I get on.

Thanks. I will surely appeal it, please let me know if there is a link for a template to use. Thanks for the help.

Thanks a lot for your reply, just a one or two things I need to clarify 1. The service address you mentioned, are you saing I should not give them my address? 2. When you say moan to LIDL head office, do you mean I should make a copy of the charge notice and send to them because I doubt a phone call will make much difference. 3. Is there a template I can use to appeal this or just tell them i am not paying based on the fact that there charge notice does not tally with the sign at the shop. Thanks a lot for all your help.

Hello everyone, I received the above notice through my friend over the weekend demanding £90 subject to a discount of £45 if paid within 14 days. The incident took place on Saturday 05/03/16 at the LIDL car park in Waltham Cross, I was driving my friend’s car at the time so the notice was sent to him as the registered owner of the car. The issue date of the notice is 09/03/16. I apparently stayed for 22 minutes at the car park while the allowed time according to the notice is 10 minutes. I have since gone back to check and the allowed free time at the car park for customers is 90 minutes!!! (Picture attached). The only problem now is that I did buy an item at the store but it was cash and I did not keep the receipt, I remember washing the car immediately after, got rid of the receipt for the stuff I bought while cleaning out the car at the car wash before returning the car to him. What steps can I take? I do not want them harassing my friend who allowed me to use his car. Should I ask him to fill the form to give them my identity? Can I add my appeal against the ticket to the form immediately as well before sending it to them? I want to believe this is wrong as there was nothing at the car park that suggests you are only allowed to park for 10 minutes. When I went back to take pictures at the car park I met someone else with a similar issue. The store manager says they can’t do anything about it. Please let me know the way forward. I have seen a few posts about similar issues here but me not having a receipt from the store makes me wonder if I will have any problem.

Hello everyone, just a note to say thanks for your help. Life is a lot better and I have not missed any payment. I am very grateful and would love to give something back to this forum, how can I do that? I don't have a pay pal account. Please let me know. Thanks a lot to everyone who helped, even my health and blood pressure is so much better. God bless you all.

Hello all, it's been a while. I have been away with little access to the internet. A few developments: Halifax sent me a £25 cheque because of my complaints about how they treated me when they passed the accounts to Apex and Wescot. Apex are yet to send me the account details for me to make payments directly to them so I keep paying the original creditor. I cannot thank you guys enough, I was even able to take my wife out to watch a film this week!!! Not done that for about 2 years! Thanks a lot.

I am off work tomorrow so I will be able to go into my branch. I will post updates here after meeting with them.