Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder againstthebanks Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2010
    Posts : 8 (0.00 post per day)

    Default Default removals

    Hi everyone

    Iím sorry if these questions have been answered within your forums but Iím so confused by everything that is going round I thought it best to email you.

    I have on my credit file 2 default notices 1 from Mint and the other from Natwesticon, both of which in my opinion should be arrangement to pays.

    The default registered by Mint was for a credit card, I had lost my job and my father had passed away so I was due some inheritanceicon money. I rang mint and advised of this and said up until I get the money I will continue to pay £30 towards my statement. They accepted the payments and I then proceeded to pay the full balance to them. No mention of defaults and no notice received. The default was registered in June 2007 and I only know about this now as I have tried to apply for a mortgageicon and was declined.

    The same situation applies to NatWest however the money owing to them was for an overdraft I also paid them £1800 of the £2100 as there were alot of charges included. They accepted and advised payment was in Full and finalicon settlement.

    I have sent both companies letters in line with http://www.learnmoney.co.uk/credit-file/remove_default_notice.htm l.

    The responses from both companies that were default notices are system generated documents and they are unable to provide true signed copies and that as the debts were paid they have no obligation under the CCA to supply me with a copy of the original credit agreement.

    I then referred the complaint to the fosicon, they have advised as I am challenging the defaults on a legal basis they are unable to provide any help.

    I now feel I am left with no choice but to take the matter to court. However I find this a daunting and scary process.

    I came across this forum and you all seem very knowledgeable in relation to taking financial institutes to court.

    What I was wondering was do you think I have a case to take to court and is there any help you could give on taking this to court.

    Obviously any time spent helping me would be greatfully appreciated

    Looking forward to your reply.

    Thanks


  2. #2
    Basic Account Holder againstthebanks Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2010
    Posts : 8 (0.00 post per day)

    Default Re: Default removals

    I have also used the guide below and sent both companies these letters. Has any body had any luck with this?


    http://www.consumeractiongroup.c o.uk...d-removal.html


  3. #3
    Basic Account Holder againstthebanks Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2010
    Posts : 8 (0.00 post per day)

    Default Re: Default removals

    no help then? please i know there are a lot of knowledgeable people on this site


  4. #4
    Basic Account Holder againstthebanks Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2010
    Posts : 8 (0.00 post per day)

    Default Re: Default removals

    Mint have stated that they do not have to comply with the consumer crediticon act and supply a credit agreement or default notice as the account is now settled in full.

    I have had enough of them and have sent them a letter before actionicon today. Only problem is I have no idea on how to proceed and take this matter to court, what information I could take as a case reference and what my evidence should be.

    I sound hopeless dont I lol.

    Please could somebody help me with urgently as I only have 14 days to prepare a case.

    Thanks in advance



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