Hi bispers.. Believe it or not, Having Credit (credit cards, catalogue accounts etc) actually can improve your credit rating. If you wish to know your credit score you can get it from experian: Credit Expert It'll cost you £4.99, but if you want to know what it is, certainly worth the fiver IMO. Whilst you're there you can also get a free credit report (remember to cancel the trial!) so you can see exactly whats been happening with your credit. As for the Next Directory.. CCA them and see what they come up with.. If they can't send you a proper copy of the CCA (check threads for assistance on this, lots of knowledge out there) then you can force them to remove the default in full through the courts. Hope this helps James.

Sorry.. but if you're wrong, then the correct facts must be posted. Please explain what point we were missing. Matt

Definately! I'd certainly sue over such a false allegation.

Thats because he's affiliated to the club.. He doesn't have to. Matt

You cannot stop anyone taking a photo of anything, unless it breaches the laws already mentioned, which certainly a kid at a football match won't. Sorry. Also, any photo's taken by photographers, AFAIK, owned by them as Intellectual Property, but I'm sure someone on here knows more about it (BF???) M

Hear Hear!! I was a regualr in the chat room, I used to help out where I could in the Help & Advice room, and I also used to get involved in the banter in Off Topic. I was made to feel welcome by the regulars when I first went in there, and I ensured I welcomed other new users when they came in. Matt

Post Unapproved Including your self moderation

Errrrr.. What happened to my post??? Matt

post unapproved

I believe they are additional security and not required by banks, although a lot of companies are using them now just for added peace of mind for the consumer. M

Well, my prelim has gone in today, handed it straight in to Nationwide Branch, and got a copy signed and dated. Can I start counting the 14 days from today? M

Well guys, i've got my SAR. It took the full 40 days (I got them on day 40!!) They owe me £410.58, including 8% Stat. Interest. Obviously I shant be putting this into my Prelim. M

Great letter, but I don't think that mobile phone contracts are registered under the CCA.. I would reccommend checking in the telecoms thread, before sending the letter. M

As far as i am aware, there are no LEGAL conditions that state that electrics have to be checked every year (as the gas regs) but, that is not to say that they can be left unsafe, as this clearly would prove dangerous to your health. A call to environmental health might be a good idea? Hth Matt

Send them a SAR requesting FULL disclosure of all information relating to you.. They have 40 calander days to comply. You can find a suitable letter (may require modification) from here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Matt