thanks once again for the responses. I'll try writing again to the canary wharf address. Re The Lending Code, I know i'm being thick. Is the fact that they didn't tell me that they would advise the CRA of the arrangement to pay (which is in great big red letters on my report) the issue. Can I challenge them based on that as well as the fact that they are still notifying them on a monthly basis when the loan was paid in the middle of last year. Sorry for all the questions, I just want to get it off my record. There's a similar situation with Barclaycard that I'd like to do the same with.

Thanks for your responses. This is the address I wrote to:- CitiFinancial europe plc 6 Admiral Way Doxford International Business Park Sunderland SR3 3XW How would i challenge them under the Lending Code?

I am trying to tidy up my equifax credit report and am horrified to see that a loan that I completed in 2009 is still being listed month on month as arrangement to pay. I did make such an arrangement with them for a period of about eight or nine months but that ceased about six months before the loan was settled. I was making full payments during that six month period. I have written to Citifinancial but they have not responded and I am worried because I will be looking to get a mortgage at some point in the next year or so. The rest of my credit report isn't too bad. Does anyone know if arrangements to pay are viewed as badly as defaults?

No I was just a little worried about the conditions they'd attached i.e. the charges have been changed slightly from 54.190% purchase interest to 54.9% plus the annual fee.

I believe so.

Hi I didn't get as far as claiming. I'd only asked for a list of the charges so it was a surprise to receive this letter when i hadn't asked for a refund.

I'm not sure if this is the right place to post so apologies if its not. I sent a request for a list of charges that had been applied to my Vanquis credit card. I received a letter back pre-empting my request for a refund on these. This is the gist of the letter and I would be grateful if anyone could advise as to whether i should accept their offer or not. My object in reclaiming the charges was to go some way to paying off the balance so that I can get rid of the card ultimately (I have a balance of just under £500 - the offer is approx £200). Interestingly they have also sent me a letter informing me that they have increased my credit limit from £500 to £1250. Anyway here's the letter "Further to your recent correspondence requesting a refund of default charges and in order to resolve this matter we would like to offer £204. This sum represents the total amount of charges applied to your account since opened. Please note that this sum is offered in full and final settlement of this matter. As a further response to your request we will vary your account to ensure that in future you do not incur the following fees - late payment charge - over limit charge - return payment charge - returned credit cheque charge - tracing charge. As part of the variation to your account your annual cash interest rate will be 59.9% and your annual purchase interest rate will be 54.9%. Your account will also be subject to a £25 annual fee." I've been given 14 days to respond and this is day 9 so i don't have much time. What do people think? Should I accept? If not, what do i do next? Thanks

Hoping someone can advise me here. I switched energy providers from British Gas to Atlantic back in February. When my son read the electricity meter (I couldn't do it, it's high up on the wall in a dark corner of the garage) it was clear that there was something wrong. The reading he got began with a 3 whereas estimated bills I had had previously had begun with a 4. The reading was checked by my boyfriend and he agreed with what my son had read. The initial reading that Atlantic made also agreed with us. When I phoned BG to give them my readings, I pointed out that there was a problem and was told not to worry and that they would take the reading from my new supplier anyway. The following month, I received a final bill from BG crediting me with £197. I accepted this in good faith - there was no way I could understand how they work out their bills anyway so I assumed that they had got it right. Last week I received another "final" bill stating that I owed £451 (this including the £197 they had credited me in the first bill). Looking at previous bills, the only times that the meter has actually been read was when I moved in, in January 2007, and in December 2007. It seems that the error occurred in December when the meter reader either misread the meter or transposed a 3 and a 4. Subsequent bills were estimated against the erroneous reading. These were roughly what I would have expected so I had no reason to query them. I called Energywatch who basically said it takes time for them to sort themselves out and that i'd have to pay it but should be given the same amount of time as they'd taken to provide the corrected bill to repay it. Given that it is clear that there has been an error on their meter reader's part I felt this was unfair and energy watch put me through to what they described as a high level department who could deal with my complaint. Basically this person told me the same thing. She accepted that there was an error on their part but said I should have been checking the estimates. My thoughts on that are that the location of the meter is such that I cannot read it myself and naively I expect a person representing British Gas to actually be able to do his job! I also wonder what happens for disabled and elderly people. Are they expected to check their meters and if they don't, are they penalised when there is an error? To add to it all, I have now received another bill from them (not a final bill so i'm now worried that they've still got my account open). This one credits me with £5! I accept that I have got to pay what I owe, my problem with all this is that British Gas has made several errors not least crediting me with an amount of money that I was not entitled to thus ensuring that I have an even bigger bill to pay! How can I possibly trust them to provide me with an accurate final bill when they make so many mistakes? Why should I be penalised for their incompetence? I cannot possibly pay back the amount of money they are asking for in one hit - the actual bill only gave me a week to pay. I have written to their head of complaints outlining my concerns. Having read some of the threads on here about BG, I will not hold my breath for a positive response but would be grateful if anyone could give me any advice as to what other steps I could take.

Yes that's right - and it's sitting there in the account but i don't have access to it

I'd been paying it off monthly. It was down to £99.

Well i went through the process. I sent Nat West the first letter and they sent one back saying they were investigating. When i hadn't heard from them in the prescribed time I sent them the second saying i was going to take them to court. I never got to that stage because i couldn't raise the cash to pay the court fees! But out of the blue about a month ago now, they sent me a letter saying that they didn't agree with my claim but as a gesture of goodwill they would pay me the full amount of my claim without interest, £895. So i agreed, thinking it would save me from going to court. Here's where it gets interesting.......... First of all they insisted that the money should be paid into my account with them which is currently with their credit management department as i was repaying an unauthorised overdraft. I spoke to someone at my branch who told me that once that money was paid off, it should be possible to reinstate the account and that anyway, once it was paid in, i could draw it over the counter so long as i had identification (my debit card was out of date you see). The money duly arrived in my account about a week later so i contacted the credit management department to hand the account back to my branch so that it could be reinstated only to be told that the account was to be closed because "they always do that in these cases". The worst of it is that they are now insisting that they will send out the cash by cheque - they say it will be sent out within ten days. Well the money was in my account on 7th February. By my reckoning, ten days is up tomorrow, 21st February. When i spoke to them yesterday, they said probably around 23rd/24th. I get the feeling i'm being messed about! I wish i'd taken them to court now!

Thanks for that Mike. I'll do that

I'm not sure if i'm posting this in the right place but here goes anyway. I have a loan with Citifinancial. Due to changed circumstances i have been making reduced payments (via a debt management plan) for about a year. Every month, they have sent me a letter saying that they are adding £10 "admin" fee to my account. I reckon that they must have added at least £120 and i assume that it is attracting interest as they are still charging this at a rate of 25%pa. Can they do this? It seems to me that i will never be able to pay this money off if they keep adding money and interest in this way.

Hello all. I'm happy to have found you. I've just got to the stage of making a claim against Nat West since they haven't responded to my second letter and I'm going to be doing the same for Alliance and Leicester. I've joined the relevant groups and i'm looking forward to participating.