Just a general thread really i thought id share, Now i have diabolical bad credit history which i stupidly trashed when i was 18 and struggled ever since. But earlier this year i applied for a capital one card and was accepted, ok limit is only £200 but wow, then even more shock a applied for a Aqua card and was accepted again for a Aqua start card with a limit of £100, I am determined to be sensible and use these cards to my credit advantage, What is quite funny with the Aqua one is after having the card for 4 months i requested a credit increase, got a letter back after a week or so saying it is a responsible lender and the increase is declined, then 3 days after that letter, my limit went from £100 to £200, weird huh. Still, moral of the story is i now have £400 credit available if needed for dark days. I have used and paid of in full each month to date and will carry on that road. As someone who trashed my credit record as a 18 year old idiot it has taken me to my mid 30's to be able to get credit again. I am determined to do things right this time around.

I have received a County court claim for this morning from Arrow Global via Shoosmiths Solicitors for an old Capital One Credit Card Debt I allegedly owe. My last Capital One credit card expired in August 2008 and I hadn't used it for a while then. This debt has been passed around a number of DCA's over the years, upto about 3 year s ago. And then I heard nothing else until this morning. I have sent a number of CCA requests over the years and none have complied, they have just passed it on. From what I remember most of the debt was fees and interest etc. Can I use a no paperwork defence or should I write to Shoosmiths solicitors and request a CCA again.

Hi, Looking for some advice on with the companies above. my partner has received a small claims summons from the Sheriff Court in Scotland requested by Shoosmiths on behalf of Arrow Global (original creditor was Capital One). In the almost 6 years I've been with her, I've never known about this debt until last October when she received a letter from Shoosmiths. I responded to them asking them what this was about (I never admitted to the debt in the e-mail I sent). My thinking is that it's statute barred as the 5 years have passed. My question is, how do I go about finding the information I need to prove this and who do I contact to get it? Any help is much appreciated.

Hi every one, I wonder if someone can help me clarify this for me. A family member had a Capital One card and ran into financial difficulties which led into closing the account. The debt was then sold to Lowell but it's not being pursued and now SB. The debt was mainly made up of Charges and PPI. In 2012 a claim for PPI and charges were made but only PPI was successful but the amount offered for the charges was very small and apart from that Capital one wanted to pay it to Lowell. Capital one sent an offer form to be signed but the money would be paid to Lowell. The form was never signed and returned. The family member developed health problems and never made any follow up. While clearing the house recently, she came across paper work and offer letter. The communications were dated around April 2004. Does this mean that it is SB now or can it still be reactivated? You thoughts and guidance will be much appreciated. Dot

Hello, please could you read through the attached documents and let me know if the CCA is enforceable and also, what should d be my next step with Capital One stalling in providing me with the Information I requested using the Subject Access Request. They have used excuses starting with You haven’t paid the £10. I had and I wrote back to inform that I had proof. Then they wrote back to say: you haven’t signed (which I didn’t I used a printed signature on word) and that the address is different to that on our records. This is amazing because they have been sending me letters /statements and new Capital One cards to this my present address for nearly ten years. I had mentioned in my SAR that if they refused I would escalate this to the Information Commissioners Office & if my complaint is upheld they would d be liable to a £5000 fine. So looks like I may have to go ahead and fill out the complaint form. What do you think? By the way, I have copied all the letters they have sent in response, so quite a few documents including one that is lengthy and looks like they recently typed it up and claim that it is part of my CCA, which by the way they finally found a signed copy of and sent along with the lengthy so-called CCA Act1974 documents. Your help and assistance is greatly appreciated. Thank You p.s I forgot to mention the account was opened in 2004. Also. Does anyone know how to make the documents bigger? I saved them also in photbucket but got an error message when I tried to attach them from there. Thank You Hi, can some one take a closer look at these documents. I've tried to get them all scanned.There are more documents to upload, but need advice as no one seems to have responded. I've now attached the rest of the last 3 pages of the "so-called" terms and conditions that was sent with the letter and suddenly discovered signed "CCA". Please note, all 5 pages of the "CREDIT AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974" - Terms and Conditions, ALL have the SAME Page number at the bottom left hand corner and that is ' V10# '. CCA1.PDF SCAN0001.PDF SCAN0001q.PDF SCAN0001r.PDF SCAN0001s.PDF SCAN0001t.PDF

Sham one folks, please see below a copy of a letter I received from Lowell, I did start to pay this debt via Payplan before I found this forum. The debt is a credit card with Capital 1 for just under £400. I stopped paying and told them I wanted my CCA and my SAR which I still have not received, I was hoping somebody could advise me on what my reply should be, I am also pretty sure that they should not encourage people to pay by credit card e.g., Encouraging people to take out more debt. I also have the same letter regarding an Egg account even though the CCA they sent me is not valid We are disappointed that you have failed to keep up to your payment arrangement that you promised you could afford to repay. We can only assume that this means that you are either UNWILLING or UNABLE TO PAY. If you are unable to keep to your repayment plan or are unable to catch up with your arrears, then we may be able to offer you a greatly reduced settlement discount to clear your account. Should you fail to make contact with us we will assume you are UNWILLING to keep to your previously agreed arrangement and therefore we will have no alternative but to send your account to our legal representatives, Hamptons Legal. We do not wish to take this action and urge you to contact one of our advisors on the following number: 0845 279 7117 PAYMENT CAN BE TAKEN OVER THE TELEPHONE BT DEBIT OR CREDIT CARD

Hi there, I hope someone can help me with these cases. When I was young and naive I got offered in the Debenhams and River Island store cards under the premise of extra discounts so I signed up in the stores. I was obviusly not advise of PPI, nor did I know what it was, and obviously charge for it. I do not remember in any case the mention of PPI, just the offered extra discounts and offers, and even the store-assistant filling the form for me, and putting crosses where to sign, her going to make a phone call and having an answer there and then. A few years later and when I started to go into difficulties, such as redundancy, over-spending and so on, I started to look more careful into my outgoings and with the publicity of the mis-sold PPI then I realised that the extra charge in my statements wasn't interest for the card, it was the PPI. So I called to cancelled both I think. As I did with all the rest of cards. anyway I did try to claim back the PPI to Ge Capital that fobbed me off and I thought that was it. Until a few weeks back when suddenly I've got through the post same letter, different references for these 2 cards, saying that I may have been mis-sold the PPI and that if I wanted they could re-view my complaint. So I filled the form, stating that what I said before, no knowledge of PPI to be put on top, sale-assistant not mentioned to me, nothing about being able to cancelled, and so on. I post the letters form back and a few weeks later I've got a phone call asking details about jobs, and so on, to be honest it was quite difficult to understand the person on the phone and I am not sure she knew what I was saying, bad line. Also as the cards were obtain ages ago, I couldn;t remember well in which jobs I was, dates and so on. (this was in the Debenhams card) I also had another call for the for the River Island one, and as it was not suitable then, I asked them to call me later, which they did, but I couldn't reply and they didn't left a number where to contacting them back. So a week later and I've got 2 letters, the same one with different references, saying the the sales-assistant was not obligated to mention the PPI in those dates and that I received all the information by post regarding what it was covered, and so on, so my fault not to read the small letter pretty much. They did included copies on both of the credit agreement, the, Debenhams, and where I spend more, I do have it signed i both bits the credit agreement itself and the PPI, but they are X marks on both bits done my the sales assistant. So not sure how to proceed there, I still think I was mis-sold the insurance as I didn't know about it. Ok, well enough that they sent me paperwork, saying that, I did moved home in the short period between the card being activated so I may not have received all the paperwork necessary. The second one, it is more interesting, the Credit agreetment is not signed, just the PPI cover, so I think I've got more chances here to go for them, as I believe that it is inforceable in a court room if I'm correct and it probes that the PPI was mis-sold. Basically the sales-assistant didn't know what she was doing. What do I do now. I did managed to recover some PPI from other credit cards, but these two seem to be more hard work than the the big ones. Thanks in advance, Zara_goza

Purchased Gold from Capital Mint Ltd. Company Administrator appointed shortly after. One year later Administrator dissolved the company when some of the Gold was still stored with another company, Baird and Co, and still remains so. Is it possible for the creditors of a Dissolved company to apply for an Administrator to be reappointed?

Hi, I'm hoping someone may be able to help me with a problem I have which involves Turnbull Rutherford / HFO Capital Limited & HFO Services Ltd. It revolves around a Barclaycard debt going back to 2007. I have attempted to get Divorced & had my submission returned form the Court due to their being a Couple of Charging Orders listed against the property I shared with my ex which we had a mortgage in joint names on. It would appear that a CCJ was granted at Northampton CC on 4th July 2008 in favour of HFO Services Ltd ( I was never notified that they had applied for a judgement so was not able to attend to defend ), subsequently a Charging order was granted on 14th August 2008 at Guildford CC ( according to a letter from Turnbull Rutherford ) although a copy of the Final Charging Order as supplied by Turnbull Rutherford is Stamped Guildford CC & Dated 29th September 2008 ( again I received no notification of this action so was unable to attend to defend). I first made contact with TR in December 2012 to query the Charging Order & also to enquire as to what the debt was as I had no knowledge of it, at the time of my call the representative of TR was very vague & offered little information, although I stated that I had received no paperwork or notice of the action taken his response was basically '' we have the charging order so I doesn't matter now anyway, pay or we will sell your house''. I received a letter from TR a couple of days after my call suggesting that I had discussed a settlement figure for the debt ( which I never had ) and the client detailed on the letter was HFO SERVICES LTD. I spoke to my ex - wife who confirmed that she had not received any paperwork in relation to this matter ( I was no longer living at the marital home & hadn't been resident since 2006 ) I spoke with someone who advised the debt was 6 years old that it would be statute barred & to have no further contact with TR which I duly did. I received another letter from TR in March 2013 again incorrectly stating that I had contacted them and requested a settlement figure ( which I had not ) I ignored this letter and made no contact with TR. I applied to Guildford CC to have the judgement set aside I completed a form as supplied by the court and paid the fee ( cannot recall the amount ) and sent the paperwork to the court. Approximately a week later I received a call from TR which I took by mistake during the course of which the TR representative again suggested that if I didn't pay they would force the sale of the property & also that my attempt to get the judgement set aside would fail, they suggested that the court had contacted them following receipt of my application which had prompted their call. I have until recently resisted all contact from TR however my circumstances have changed whereby my ex wife now wants to move on with her life & potentially re-marry which she cannot do until we are legally divorced, she had suggested that her Father would be willing to settle the debt in order to get the charging order lifted so that the divorce can go through. Reluctantly I have tried to contact TR only to find that they have been struck off and that the Debt is now being handled by HFO SERVICES Limited, I have obtained their number and called them, I have requested a settlement figure to which they have asked me to make an offer, as instructed by my ex father in law I have offered the sum of £1800.00 against a debt of £3547.90, I spoke with a guy called Ankur Srivastava who said he would go back to his client and respond to me by email which he has now done. His response is as below; Your Account With- HFO Capital Limited Original Lender- Barclaycard Original Reference- ..............# Balance Outstanding: £3,670.90 Further to our telephone conversation this afternoon, we would like to inform you that HFO Capital is willing to close the account by offering you a one off payment for £2,753.17 as full and final payment on the account. his represents 75% of the current outstanding balance. We would also like to inform that above mentioned balance does not include any post judgment interest added to it. As you may be aware the judgment was obtained in 2008, however HFO Capital has decided to waive off interest for all this time. HFO Capital Limited would also like to confirm that once the payment is received in full, we would inform the court to get the judgment marked as satisfied against your name and also instruct the land registry to remove the charge from your property. HFO Capital would also be contacting the relevant credit agencies to get the default marked as satisfied against your name. Please feel free to contact me on 0208 899 7452 if you have any further questions. Please note that settlement offers are time bound and would be valid for a fixed time. Regards, Ankur Srivastava HFO Capital Limited PO Box 342, Lavender Park Road, West Byfleet, KT14 6YX T: 0208 899 7457 This footer also confirms that this e-mail message has been scanned for the presence of computer viruses. Any views expressed in this message are those of the individual sender, except where the sender specifies and with authority, states them to be the views of HFO Capital Limited. HFO Capital Limited is a limited company registered in in Eire; Registered Office: 22 Bridge Street, Ringsend, Dublin 4, Eire Registered Number: 446327 Vat Registration Number: IE.9673073N. Director: B Nathan (British) S. Blackburn (Maltese) HFO Capital Limited is authorized and regulated by the Financial Conduct Authority. Interim Permission Number 614989. I have noted that he is saying that his client is HFO CAPITAL LTD & he has signed off his email as being an employee of HFO CAPITAL LTD, the judgment & Charging Order is in favor of HFO SERVICES LTD. I have tried to contact GUILDFORD CC to seek clarification of the judgement & who it is in favour of to see if the fact that monies are being requested to be paid to a company other than that named on the Judgement & Charging Order is legal or if I can get the Judgement set aside due to this discrepancy. I apologise for rambling but am new to this & out of my depth, just wanted to put as much detail on here as possible in the hope that someone can help me. Any help or advice would be gratefully received.

Hi a returning customer as you have helped me before. Brilliant website. We have a card with Capital One and have been making regular payments of £40 for more than 6 months. What has happened is that due to charges being placed on the account the £40 is not enough to cover the minimum payment due and of course with interest etc it keeps escalating so my now we are about £120 over the credit limit. Capital one have now sent to letter to say we have defaulted, the account is closed and that they MAY pass debt on for collection, which they actually have done. They need to understand that if they say MAY it does not mean go ahead and automatically do it. What I would like to know is if we have been paying every month can they hand the debt over. Looking forward to hearing from you. Best regards Sharon

i have had a Barclaycard for around 10 years and managed to run up big debts on it (aprox £12k). I ran into trouble after a period of being jobless and Barclaycard closed my account and agreed that they would freeze all interest on the account if i made regular repayments of £50.00 a month , at the time this seemed like a good deal overall as i wouldn't be getting charged interest and did genuinely want to clear the debt. I have just realised... (been sent a default notice by Asset Link Capital). . that payments for the last 3 months haven't left my account to Barclaycard. . am now paying £54.00 a month. . genuine oversight on my part don't often scrutinise my account. Asset Link Capital have told me by letter that i need to clear the payments they haven't received, which amounts to £162.00. Not having this amount of money to hand i rang Asset link Capital and asked them if i could just simply start up the repayment agreement with them to which they replied no, i will need to settle the late payments or am in breach of my agreed payment plan. when i asked what action they will take i was told they will apply a default to my credit record and "MAY" apply to the court to get full payment from me... currently £8000 ish... I guess my question is, why did i not receive notification from barclaycard that they were passing my debt on? they should have told me right? also... in layman terms what do their threats actually mean? Sorry for the long post Thanks in advance for any advice

It seems that every time we do a SAR on one company or another we find info about other accounts we had and paid off or were paying at the time. I've turned up a couple of old Capital One accounts that the wife and myself had in the early 2000's so sent SAR requests, one has arrived today. It seems that I took a card from them in 2002 and all they have on file is a little form about a quarter of an A4 sheet headed 'Credit Card Account Agreement' and 'Credit Agreement Regulated by the Consumer Credit act 1974'. The rest was difficult to read as it's badly copied small print. I've scanned and enlarged it. It's one of those 'sign and return' things, not a full agreement and certainly no mention of PPI on it. On their archive system they have given me a screen shot of a page about PPI but it says 'no data'. However, in the list of transactions it clearly shows PPI being paid month by month. On another form, I think from them setting up the account, it shows both PPI and PPI2 as 'Y' and a rate of 89p per £100. The other figure I'll note here is shown as 'Lifetime APR' and that was 37.3% !! Between 2002 and 2006 I have a number of PPI payments listed which total £466.75, ranging from 75p to £12.88 over the months. I know it does not work quite this way but, if I apply their own rate of 37.3% the FOSCISheet V101 spreadsheet adds in £19,506.41 of interest - that would be nice I'm sending them a completed FOS questionnaire to see what they say. There are also lots of late payment and overlimit charged of £20 each, but that's a separate claim. The account went into default in 2006 and was passed to a DCA in early 2008, so is now S/B for recovery purposes.

Hi All Received a court claim dated 6th Nov from SLL Capital for a payday loan I initially took out with Cash Store in 2012 for £800, total figure now stands at over £1350 incl fees, interest and charges. POC's are as follows : 1. The claimant's claim is for the sum of £13**.** inclusive of interest and charges being monies owed under ref **** by the defendant to SLL 2. I will provide the defendant with separate detailed particulars within 14 days after the service of the claim form. AND THE CLAIMANT CLAIMS 1. The sum of £13**.** pursuant to the paragraphs above 2. Further interest upon the outstanding sum at the rate of 8% per annum pursuant to section 69 of the county courts act 1984 from the date hereof at a daily rate of £0.30 until judgment or sooner payment. 3. Costs and court fees I have acknowledged service and intend to defend in full based on incorrect amount claimed due to charges/fees added after termination etc. Any more advice would be appreciated, I will look at other defences but any help gratefully received.

Hi had letter from Cap1 saying this agreement was enforceable but having read around the site seems that is not always the case - any advice would be much appreciated Thanks

My wife was handed an SD for me from Lowell's yesterday by a process server who than asked my age and what I looked like. Assume they needed to swear an oath they have served it personally. It's for an old debt (probably less than 6 years but only just) from Capital One for £1600. The odd thing is I started paying Capital One about 18 months ago - weekly on the internet. I carried on about 6 weeks got a letter saying I hadn't been paying etc - so I stopped. After much delay Lowell's eventually agreed I had been paying and I said I would restart - BUT they refused to accept payments via the internet and would ONLY accept direct debit or continuous debit card authority. Having read a lot about Lowells I really didn't want to give them the details - beside - I only paid them when I knew I had the money. My bank would have charged me £35 in penalty charges if there wasn't the £20 in the account. So where do I go from here ? I am sending out a standard CCA request to Lowells which they should reply to within 14 days. I am expecting them to write to me again - so should I deny receipt of the DC as it wasn't correctly served ? If so - will they petition ?

Good evening. I raised a complaint with Capital One, as I recently checked my credit file and noticed a default notice on there. Now I have been making repayments to this debt via a debt charity, and not disputing the validity of the debt, however I do not remember getting a default notice. They have responded to the complaint and said that they did send one, and I have provided me a copy. However it doesn't look like a standard default notice to me, and the reason they state as the breach is due to a long term repayment plan. Now looking at the Capital One website, as I don't have my CCA agreement - it states the minimum repayment is 1% of the outstanding balance of £5 whichever is higher. Based on the balance I had at the time (which was over its limit) this would have been a monthly repayment of £7.60. The debt charity made payments of double this amount monthly. Therefore I am wondering if to take this to FOS, as if the only breach they mention is relating to the long term payment plan - if I am still fulfilling the minimum repayment, is the default valid? I have uploaded what they sent me. I welcome your response Thanks

Evening guys, long story short, had cap one card and not paid since January 2009 so as far as i'm concerned it's statute barred. Default on credit file July 2009 so due to come off in a couple of months. Late last year it was purchased by Lowell who i strung along until it was SB and they've since passed it to Fredricksons and now Bryan Carter who've just sent me a letter advising me to pay (not a chance) or they'll issue proceedings in 14 days without further notice to myself. I've seen on here that they try to bend the rules on SB and say it's from the date of default etc. which we know isn't true, even if they took me to court i think the time will have passed for both SB and the default will be gone. Is there anything i need to do in respect of this letter do you think? Their letter is dated 30/4 and has conveniently just arrived today saying i need to pay by 14/5. Thanks

Evening all. I've had an issue with a debt for Capital One and have now had a response to a SAR. On the basis of this I would like to complain with a view to getting charges and/or PPI returned and I'm looking for advice on the best arguments to use. Within the SAR the records show the following: The account was in 'good order' until October 2008, at which point I became unemployed. Although I believe there are calls not listed as an absolute minimum they show that in December 2008 and February 2009 I indicated my employment status and a need to claim under the PPI - no action was taken. They continued to charge PPI until defaulting the account in July 2009. They added charges (including PPI) of at least £294.00 - on a debt that stood at £198.16 at the time payments stopped. In addition they ignored a letter sent at the beginning of September 2009 offering a standard split payment with other creditors, including a full budget, requesting they suspend charges and interest. Instead they sold the debt in October 2009 to Cabot. Now I am obviously looking at the PPI and the best way to make that claim but I also feel they failed to take account of a customer who was in clear financial difficulty, as even their own records show had been made clear to them. Are there regulatory/legal grounds on which I can pursue a claim against them for this?

Hello all, anyone know about second charge and Deed of entitlement? Interesting Case with IDEM Capital, advice required please Hi All Slightly complex situation but here it is, any advice appriciated. Overview We have a mortgage with NRAM and a secured loan with Picture>Webb>IDEM. We cannot make payments and are in default. NRAM looking to put us on a voluntary repossession scheme which are happy with. IDEM have had us is court. Today was the third hearing and they didn't show as they cannot find the correct Deed of Entitlement information, witness statement and paperwork. They asked for Adjornment via letter (not sent to us only the court) but the Judge struck out the claim as they had said they would based on second hearing and paperwork etc beign wrong. What kind of solicitor can best give advice on this? (I.e Conveyencing, housing etc?) Given they cannot prove Deed of Entitlement can we challenge their charge at the land registry and have it removed? Again, your advice is most appreciated!

Hi, just after some advice. I received 2 letters a day or so ago one from Capital One and one from Lowell Portfolio. The Capital One letter is saying that they are writing to inform me that the debt has been sold to Lowell portfolio and the other is an introduction letter to Lowell Portfolio. The letter layouts are near identical and are obviously both from the same place which I'm guessing is Lowell? I can tell this by the QR codes being in the same place and the ref numbers on the side of the pages. Should Capital One themselves not have informed me of this rather than Lowell? I would also like to know what people would recommend as my next course of action? I was thinking of sending the first of the 3 letters, the CCA request.

HI Apparently i have 2 outstanding pay day loans , I think with money in advance and access fast money. After i left step change and started dealing with the debts on my own one of these debts went to OPOS who i wouldn't communicate with as they were really nasty. Now its gone to Sll Capital and they say so has another. They're not for a lot but still more than i originally borrowed plus one month interest. I know i am being cash cowed as i paid monthly to Step Change for a while. About £65 pound each. The amounts i borrowed are around £150. they have been emailing calling and writing and i got fed up and sent all to spam. Now ive just had a letter of default last week and today they have sent me a text saying they have issued a notice of assignment. What do i do now, can a DCA register a default? Please help, there is also another thread ive put in about My Jar that i need help with Thanks

Evening all, I'm after a bit of guidance on an outstanding balance on an old credit card. Here's a brief history: March '08 - Took out the credit card with £500 limit. Used the card for 2 years, during which time the limit was upped to £1000. June '10 - I stop making payments. Various reasons I shan't bore you with. Oct '10 - Default notice issued and an outstanding balance of £1300 (with a limit of £1000, I'm guessing that's £250 or so of interest and charges). At some point the debt was sold to a debt collection agency, before then being returned to capital one themselves. I don't have the details of this as I typically filed any such letters straight into the bin. Fast forward to now and I want to shift this debt off my credit record. Now I know it'll vanish October next year, but I want the balance shifted off my credit record before then so I can set about repairing my rating sooner rather than later. Now, my options as far as I can see are: Pay them in full. Which I can do. It'll mean a few luxuries will have to be sacrificed, but will not adversely effect my normal standard of living. Offer to partially settle for 50% or less. But from reading around, this will leave the account as partially settled on my account, which could upset the likes of mortgage lenders in the future (it'll be easier to explain away if it's fully settled) Ignore it and wait for it to go away (which will mean I'll be 18months further behind getting my credit score up to scratch, so not really an option) I keep going back and forth between the first two options. I can't remember the exact details of the account. I'm fairly certain I didn't have any PPI on there, as I never went in for PPI on anything else. Please weigh in with your views on what I should do. At the moment, I'm thinking option one as it'll get the whole lot done and dusted quickest. But at the same time, saving a couple of quid does appeal, so I'm open to ideas on how to go about settling with them. Thanks everyone

Hi All. I live in Wales and have been in a wheelchair for the past 6 years. I receive DLA (higher rates), ESA (support group), and housing benefit. I recently received a letter from the DWP demanding a refund for 'overpaid' ESA even though my cirumstances haven't changed and my only income is from my benefits. I have been trying to save somethig each month, and my combined ISA and current account have gone over the £6000 capital limit imposed by the DWP. I was under the impression that benefits received, particularly DLA, did not count as income for this purpose. Can anyone say where I went wrong?

Hello, about four years ago a company (which now no longer exists) began an unenforceable credit agreement claim for me against capital one. They went through the initial stages, and I never heard from Capital One again. Then yesterday I received a statement from Capital One. Since the original company that was dealing with this no longer exists I would like to continue the original claim. It will be near impossible for me to find the documentation from four years ago. I would really appreciate advice on how to go about this and any links to template letters. Thank you.

Hi I've read through the forums but cant find a situation like mine. cap one registered a default against me in may 2012,due to 3 payments being missed. this was due to an error on part of my bank -i had requested that my direct debits be transferred to another bank ,but 2 didn't transfer (cap one and barclaycard) .this meant missed payments, late and over limit charges etc. I logged a complaint with my bank in April 2012, which they upheld and admitted fault. they provided compensation and issued a letter for any creditors, advising that any adverse info should be removed. i contacted cap one explaining that i want reassurance that any adverse info would be removed, they advised to send the letter from my bank in... . Which i did 3 times and never had a response. I wrote an email to their executive complaint office who responded explaining that they aren't prepared to remove the default. I'm a little stumped as to what to do now ,and i work in a job where having defaults,ccjs etc on my credit file is forbidden. Is there any advice you could give around potential next steps? thanks in advance