Sorry that makes no sense, normal 10% of the outstanding balance of over payments is normally the max unless you are on the SVR where non should apple

On the majority of mortgages there is an ERC if normally 10% of the oustanding balance a year, however if you are on the Standard Variable Rate (SVR) there are normally no restrictions. What lender are you with? Are you in a fixed rate or on the SVR? Sam

Which lender was this for? Was this through a broker? Sam

Hello, so the plot thickens. After Experian issued me with an email confirming HFC removed the default I wrote again to HFC and they refused another SAR and asked me to give any evidence. I sent HFC the email from experian. Experian then emailed me applolgising saying there was an error with the format of some of the information on my credit report and thats why the default didnt show. And they confirmed it was not removed just didnt show even though i have had no issues with credit , the default now shows. So after 29 letters and over two and a half years I dont know what to do. Experian caused me so much work and time and stress dealing with HFC for nothing! Where do I go from here? Any ideas? Thinking of making complaint to Experian?

Don't use high apr cards. Best thing is to get a mobile contract repay on time everything month. You need to be on the electoral roll simple, this will severely hinder any account applications. You have made enough searches for three months. Save your inheritance and wait for a few months with the savings. There are no credit searches for a savings account. Nothing wrong with renting for a year. If you rush you may damage your credit before you've even started!

Ok great thankyou, should i sent a general formal complaint that my data has been altered or a specific complaint to exactly the above? Or a request for them to send me the data on their system they accessed?

I intend to go to court as my last option, i want exhaust all other routes first , thanks for your input really helpful!!

No i decided to use the FOS first, as it would have to be the small claims court and they i was told wouldnt be able to order the removal of the information just compensation, and without any significant financial loss because if it I decided against it!

30th September 2010

Hello, I will try to be brief, this is about information, SAR and a default removal agreement In 2011 I settled PPI claim with HFC, they offered a settlement, I wrote back agreeing to their amount of compensation, if they removed the default place on my credit report. I put this on the bottom of the settlement letter 'with one condition of settlement, this being the default to be removed. If you refund me the amount stated I will expect the default to be removed within the 21 days as stated in your letter plus 2 days as I am aware it will take 48hrs to be updated on my credit file. There is no need for any further correspondence, when I receive the offer less the outstanding balance I will take this, as my offer has been accepted. ' Subsequently 6 weeks after I sent the letter they removed the folder from Experian only and (they did’nt write back to confirm the agreement). I wrote to them and asked them to remove it from the other agencies and they refused. This went on and on and I referred it to the FOS, they came back to me last month and shockingly said there was no agreement in place even though I wrote the above and they removed the information from Experian. I have been to Experian & they have no record of any requests from HFC to alter any information. The only other way is if HFC altered it on their Credit Account Information Sharing system (CIAS), where they can change information on credit report and not leave any trail. Meaning I am unable to prove they were the company who altered my credit report, even though they are the only people that could have. If I can prove they altered my information I can prove they agreed to my settlement and force them to remove the details from Equifax and Callcredit. My question is I sent a SAR to HFC and received no details of the CIAS system should I have? How can I prove this information was adjusted by HFC? As the FOS has said that HFC don't have to adjust any information where should I go with this now, escalate within FOS, Court or give up? Thankyou for your time.

Hi guys, so this is where I am at the mo, letters have gone to and from HFC but they have gone quiet after the last two letters I sent saying I intended to take them to small claims court, sent both letters offering them a chance to settle this matter before it goes any further, but no reply, I am about to organize the Court Claim! I have finally got the SAR the question is, the settlement letter I sent to them wasnt in it, also no information about who or when they adjusted one of my credit reports, very strange everything else is in it, apart from the bits I wanted to see, is there anything I should look for or anyway to decode the SAR as it seems to be no use, shall I just get them to court and use the letters I have sent and recieved? Many thanks Sam

Ok great thanks, I will write to HFC today tell them i am going to take them to small claims court and give them 14 days to comply with our previous agreement,, if they don't by then I will have my papers ready and will submit my claim on the 15th day, i have looked into small claims courts they are fairly informal so will do it alone! I am not bothered about compensation if i go to court ill try! This company have preyed on people that are not in an ideal position and it makes me furious, I don't know how they have managed to get away with it hence i am going to take it this all the way, in the past year I have written probably two letters a month they are going to get very fed up with me!....

Thanks mate,should i find a solicitor then or do a small claims court claim myself? I said in my last letter i would be getting advice, i hate hfc for what they are and will pursue this if i get 5k at the end its a bonus!... Thanks guys

Thanks mate already tried this callcredit and equifax both said it has to come from HFC...

Thanks mate, young and stupid although i have learnt massively.....