Hi, If there are any suggestions for the following it would be appreciated. About 2 years ago (2012) I was contacted by Capquest saying they had been retained by HSBC - there was a Business bank account joint with my wife that had lay dormant for a few years and over that time had built up £800 of debit - almost all bank charges. We had moved and forgotten about this the existence of this account until contacted by Capquest. We agreed an instalment plan and by last summer had reduced the debt to £400. Then Capquest told us to stop paying them and HSBC would be in contact. 4 months later I got a call from Cabot to demand payment of the balance. I explained that I did not even know they had purchased the debt and I would require proof before discussing further. It turned out that HSBC only provided Cabot the old address when the debt was sold. The paperwork to show the debt was sold arrived just before xmas. Some of the details are not correct as they show me as the sole account holder when in fact it was a joint account with my wife being the lead name. I was going to write correcting their errors this week. However, I just spotted an addition to my credit record that I wanted to get advice on. Previously as my wife was the lead account holder it only appeared on her credit record. It seems that on 1 December, Cabot added this account to my credit record, with me as the sole account holder and listed it as default - backdated to 2011, the monthly balance details are also wrong. I have not received anything saying a default was going to be added either now or in the past etc. or even had a chance to agree payments with Cabot. Will I have any option to have this removed? Thanks

I have been having problems with gas meter readings since changing to Npower in Dec 2011 I provided a reading over the phone when service started which was aprox 07800 Have a monthly DD and didn't check it that closely until the DD was suddenly increased to £400 a month, when I queried this it blamed on massive gas usage and turned out the initial reading had been set as aprox 77500 I disputed the readings and opened a complaint (or so I thought at the time) after 8 weeks of waiting they sent an engineer who agreed with my reading. I was then advised that due to a new billing system it would take some time to resolve, but my billing would be frozen in the meantime. After waiting another month and no resolution I opened a complaint with the ombudsman, then I discovered my complaint wasn't logged as a formal complaint so I had to start again. I logged a complaint but also started to move supplier (to coop) During the transfer the coop contacted me to say they couldn't find the meter allocated to my address and could I supply the serial number, this I did. Last month February 1st, my service moved to the new supplier and I provided a gas reading, also in feb I had letters from Npower saying they were still investigating and the delay was due to the new billing system. Today I get an email from npower to say a new bill has been produced, I log onto the website to check and find the wrong readings re-instated and even the reading taken by the engineer has been overwritten and a final bill (covering 3 months) with £2000 of gas usage (its only used for central heating). This evening I have checked my account with the coop and the initial reading has also been overwritten with an incorrect value! Can someone tell me if its possible there are 2 meters with the same serial number? Is there a database anywhere that this can be looked up? Any other advice appreciated.

I have demanded detailed calculations 3 times in writing, it just gets ignored and the only response is that the calculation is within FSA guidelines. I just did a search on the FSA site and found this: http://www.fsa.gov.uk/pubs/policy/ps10_12.pdf Do you know if this is a current document?? The details of the Example calculation 6 which is on page 10 of appendix B exactly match the spreadsheet I got from you guys, I'm thinking of printing this off and sending it to the Halifax to see if it prompts them to re-examine my claim.

I finally got a reply from Halifax, but all it said was: "I am writing to inform you your redress figure was calculated as per FSA guidelines therefore all all premiums and interest have been included in your redress amount and no further monies can be added." No details of how the calculation was arrived at were provided. So I have now sent off my complaint to FOS

I finally got a reply from Halifax, but all it said was: "I am writing to inform you your redress figure was calculated as per FSA guidelines therefore all all premiums and interest have been included in your redress amount and no further monies can be added." No details of how the calculation was arrived at were provided. So I have now sent off my complaint to FOS

Hi, So I called the number in the offer letter that the letter stated I had to call if I wanted to query the offer, this I did. The number went to an offshore call centre, the person answering was unable to answer any questions and could only take a message to pass on. So I got him to record that I would not accept the offer until I was satisfied regarding the lack of interest refunds and wanted a detailed calculation to be supplied. I followed this up with a letter repeating the same things, send by recorded delivery. Well today I have received a cheque for the amount they offered...lol Should I return the cheque? or keep it as an interim payment The offer letter does state that I can still make a FOS complaint anyway, I have drafted a FOS complaint which is ready to send. Thanks

I made a PPI claim on a Halifax Credit card Using the spreadsheet FOSRunningPPIv101.xls I entered all statements and got totals of: PPI Payments = £2316.02 Compound Interest = 6263.15 8% Simple interest = 1634.30 TOTAL = £10,213.47 Halifax accepted the claim, but the offer is this: PPI Payments = £2316.02 Compound Interest = 0.00 8% Simple interest = 895.60 TOTAL = £3,211.62 What would cause the compound interest to be zero, is there something I have done wrong? I will attached the spreadsheet with personal details removed. FosRunningPPI v101.xls

There is also the option of doingt it yourself and arranging your own DMP. This is what I have done and I feel a lot more in control of the situation than using a 3rd party and I got a great deal of satisfaction out of negotiating with creditors myself. I have certainly become a lot more assertive with them than I was at the start

I think the Goverment might be too busy worrying about their own debt to be starting a debt management service!

They returned everything I sent including the PO

I was jumping to conclusions, didn't think of the payment. Well I sent an open and uncrossed PO, (where the post office have printed a row of asterix in the payee box). Don't know why I didn't think of that! As far as I am aware thats legal tender and there should be no reason to return ( albeit not very secure )

HI, Earlier this month I made a SAR request to Halifax (credit card) This has been rejected and returned today stating that the "PAYEE IS MISSING" Below is a copy of the template used, is this a genuine problem with the template used or are they just delaying? If a genuine error in the template, do I just add a line at the top? If a delaying tatic - how should I reply. Thanks in advance! ============================================================== SAR - SUBJECT ACCESS REQUEST Dear Sir/Madam Re: XXXXXXXXXXXXXXXXXXX (account number here) In the first part under the Data Protection Act 1998: Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, please supply me with a complete list of transactions and charges relating to the above accounts held with you since they were opened. The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information. Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my business with you. If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request. For the avoidance of any and all doubt, I reiterate: I hereby request that you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memo’s, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on any/all types of media in any relevant filing system (microfiche included). If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like). Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge. I also require that you forward, within the above mentioned time scale, a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions. I enclose the statutory maximum fee of £10.00 to access ALL data held by Halifax PLC about myself. You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request will involve a complaint to the ICO as well as potential legal action. You have 40 days in which to comply with this request. This communication has been sent Recorded Delivery so I can ensure compliance on these issues within the legislative timeframes. Yours Sincerely XXXXXXXXXXXXXXXX (name printed here)

When I started down the road of negotiating my own DMP I had an idea of who would be helpful and who would be difficult, I was expecting First Direct (HSBC) to be one of the helpful ones and MNBA to be difficult. How wrong I was and its the complete opposite. With first direct I have a personal loan in joint names (84 months with 28 months remaining) and a visa card in my name. They have accepted my monthly payment,. but want to do the following: 1) Transfer the CC balance to the loan account 2) They won't freeze interest but will reduce to base + 6.5% 3) Me and my partner to sign a "Consumer Credit Act Agreement Form" which will contain: 2a) Interest & term 2b) Agreement that no further action will be taken by FD as long as payments are met 2c) FD will "apply" for an interest refund (interest is included in the loan balance) This seems like they are trying to turn a DMP which is an informal agreement into something more formal, hopefully my current situation 40% reduction in salary won't last forever! If this has a more positive effect on my credit file I might be inclined to accept (have asked for clarification) but wanted to see what the opinions of people on here are? Also, I'm planning to make a SAR request with a view to claiming charges as there was a period about 4 years ago when I was often charged £35/day for exceeding OD limit (have been a customer of FD for 25 years) Thanks

At least I know I wasn't going crazy. Does anyone find problems getting in touch with creditors, I wrote to them all at the beginning of the month with a pro-rata offer and only one has replied!

Thanks for the very helpful replies Regarding the 11 years, MNBA indicated that if I entered into a plan to pay the balance over 5 years, no default would be issued. Instead there would be a marker on my CRA file saying I had entered into a DMP. This is why it could be 11 years. So it seems that in the long term I could be better off with a default than taking a responsible approach to pay my debts.