Hi, I've just finished run ins with Lowell and Cabot. both have admitted no documentation is available from them or the original lenders. Both have closed the account and ferred back to original lender. Question: Is it best to attack DCA or straight to Experian to remove Default notices ? thank you

sorry. there is already a wealth of threaded information on this subject. I'll take the time to read through .... lol

Sorry, there is a wealth of information on this matter already threaded. I will take the time to read ! lol

Hi, I've had two very satisfying letters, Lowell and Cabot. Both have said they cannot supply signed credit agreements and have now referred back to original lenders and they will no longer be dealing with the account. I'm quite confident I won't be hearing anyone again, as the alleged debts are already over 4 years old. My question is: My poor old credit file ( Experian ), details Lowell and Cabot. Surely I have a case for asking for entries to be removed ? If so, is it Experian or Lowell and Cabot I approach ? Ta very much.

Hi, I've had two very satisfying letters, Lowell and Cabot. Both have said they cannot supply signed credit agreements and have now referred back to original lenders and they will no longer be dealing with the account. I'm quite confident I won't be hearing anyone again, as the alleged debts are already over 4 years old. My question is: My poor old credit file ( Experian ), details Lowell and Cabot. Surely I have a case for asking for entries to be removed ? If so, is it Experian or Lowell and Cabot I approach ? Ta very much.

Well here we are in June ..... and still nothing ! I've complained to Information Commissioner Office via their e:mail form, but nothing from them either. I've got 5 more payments left, can I stop paying and demand action ?

Well I always knew this was going to be a long road ... But hey, they've riled me now ! Thank you all for your comments. I will send letter suggested by HHNF. I can confirm they cashed cheque on 28th February. I must admit it is nice ( and a bit of a change !) to be on the front foot. I will chase them as hard as they would chase me for one missed payment ! I will keep you posted, and good luck Tricky in your ensuing battle !

Thank you. Sorry for delay but I've had problems posting any replies. I sent non-compliance letter, which was received and immediately I received phone call from Welcome. First denying the original letter arrived, then saying the person who signed for it has left the company, then saying they didn't no what an S.A.R. was and had never dealt with one before ! I faxed through the original to them yesterday. What now guys ? Claimimg PPI back seems a long way of .....

Hi, As part 1 of claiming PPI back from Welcome, I'm stuck at first fence. They are 5 days overdue on SAR request. Loan is still live and I have no arrears, any suggestions please ..... ta

Hi had a letter from Scotcall chasing for same debt, with another £500 lumped in for good measure ! Robinson Way returned my £1 and told me they were returning account to Cabot. Do I start again with CCA sent to Scotcall ?

I hear you all loud and clear ! I'm with you guys, and I WILL get my money back. I need just one more boost .... I've been charged a staggering £1600 PPI, and the only reason I took it because I was told it help my application as my credit rating was so poor. More than enough justification for claimimg it back. But surely it comes down to my word against theirs ?

Hi all, Any thoughts on a company called Conkers, acting on my behalf to get PPI back from Welcome. The more I read through some threads, the more I lose confidence in doing it myself. Ta

Hi all, A quick bit of advice needed. After winning against NatWest end of 2006, I didn't use my account much. When I finally did, I managed to go over my limit by 22p ....and wallop ! £28 charge. I've phoned to get charge waived but initial bod I talked to "is not authorised" to return any funds to my account. I've been given Customer Relations Manager address to write to. Any advice for wording please ? Thank you.

An update - Received letter from RWC after non response from CCA request. They say account has now been returned to Cabot and will now longer be managed by RWC. What do you think Cabot will do ?

Thanks for responses, most helpful. A point of interest I'm sure has been discussed before though. RWC in their phone conversations have referred to a £1 receipt in respect of the debt given to a field agent at my door ! This is a complete lie, trying to get me to acknowledge the debt. The £1 is of course the cheque I sent for the CCA request I sent in July but they never sent any information. Is this something I could pursue ? Ta Spacehopper