Thanks everyone, got a bit more confidence to start this now Will keep you posted!

You are dead right, but I am worried my accounts with FD may be closed and repayment of the loan and credit card may be demanded if I start this action has anyone heard of this happening with sister banks?

Hi all, I have a fairly long history with HSBC, including loans, credit cards, current accounts etc. I paid everything off a while back and now use First Direct as my main bank (the HSBC has one DD out and one automatic transfer in from First Direct). I now have a loan & credit card with first direct (no problems paying these days). As First direct are part of the HSBC group, would they get funny if I started on HSBC about charges? Help please! Zurox

Hello all, This is my first post, so be gentle lol! Usual story with me, bad account management by me, head in the sand, charges build up, default issued by Egg. Anyway, unusually I decided to go and work abroad 8-) and get a big salary increase and paid Egg off in 12 months. Now, some 3 years on and with all the press over unfair charges, this cracking website, and finding that the default is still on my credit report and causing me grief I have decided to tackle Egg. Using Egg secure messaging, I politely asked them if they could remove the default, saying this was satisfied 3 years ago and is totally irrelevant to my current circumstances. Egg responded saying that it had to stay because they are a responsible lender and had a duty to report it blah blah blah etc So i responded saying ok Mr egg, i want all my charges back and if i find that the default was caused because of the charges then you will have to take it off my file. Anyway, now egg have said "arent we good, we have credited your outstanding balance" (all 75p of it!! ) but still not removing the default. So here we go, I am going to send the data request letter but need to know what form of ID to send so that they cant use this as an excuse to delay responding. thanks!