General Sir Nick Carter appointed new Chief of the Defence Staff READ MORE HERE: https://www.gov.uk/government/news/general-sir-nick-carter-appointed-new-chief-of-the-defence-staff

Hello Caggers, Long time member, first time poster it would seem! Anyhow, the story so far. A long time ago in a suburb of Croydon, far far away, I had a credit card with MBNA. They didn't put a hold on it when I fell into difficulty and added a further 4 or £500 to my outstanding balance, made possible by the extension they gave me to my credit limit. How nice of them! They subsequently offered me a 2nd credit card and said I could move the balance over at 0% for 6 months. Thinking they were genuine, I accepted the new card. Despite having asked beforehand the new card didn't cover the outstanding balance. I protested but they came back with some BS and that was that. I immediately stopped making payments on the first card and shortly after on the second as I was drowning and disagreed with the balance as it stood due to their charges. Shortly after this I managed to do the penalty fees thing and instead of giving me a cheque for the outstanding fees, they took them off the balance on the second card! They sent me letters regarding a default in January 2007 and, I think, might even have hit me with a CCJ, I know somebody did, many years ago. In February of this year I noticed my credit score go down from 973 to 870 as a default had been entered by Lowell relating to the original MBNA credit card. In the back of my mind, when considering claiming back my PPI fees, I was fairly sure that the SB date of this default was March or April of this year. I have statements going to near the end of 2006 and I am still making payments, the next statements I can find are from mid 2007 and I make no further payments. By the facts I can prove, the SB date should be August of this year but Lowell claims it is Spring 2014. It seems I am not quite up to speed on things anymore and perhaps stupidly sent them a CCA request. As of today, it has been 30 days with nothing other than a reply saying they are still looking for it. Have I made a huge mistake in even asking for a copy of my CCA? Surely my £1 postal order didn't restart the clock!?!?!? In light of their failure to find it, can it be applied retrospectively to get the February entry by Lowell removed from my credit record? If they can't find it now they wouldn't have been able to find it then either and the entry would be unlawful! Should I send a prove it letter or stick to my original conviction and tell them I believe it is already statute barred? Any help/thoughts/ideas/letters/Brandy or Opium you can proffer would be gratefully received. I'll be on the window ledge if anybody wants me.