I recently relocated to scotland, from london,I applied for a current account and a credit card and both where approved. While I was in london all my application for an account with a debit card was all refused because of the default on my file. Does this mean the default entry on my credit file has been removed?

Hi, What Do I Do When My Alumni Sends An Inappropriate Reference? Is There A Template I Can Use Informing The University To Stop Sending References Which Is Capable Of Causing Damage To My Reputation? Please Some One Help Me.

Hi Enron. I Need ,the Below Documents. 1.all Contracts That Have Existed Between The Bank And I 2.default Notice Which The Bank Claimed To Have Sent 3.life Insurance Policy

@enron I Have Sent Several Letter To The Bank Informing The Bank To Remove The Default From My Credit File,and They Have Sent Me A Final Response,stating They Will Not I Will Appreciate.also Note The Reason For The Dpa Request Is To Obtain Document To Substantiate My Claim Against The Bank.

hi ALL,RBS HAS REFUSED TO PROVIDE THE DOCUMENTS I GUESS I HAVE TO GO TO COURT UNDER Data Protection Act AND ALSO TO GET THE DEFAULT REMOVED FROM MY CREDIT FILE. THE DOCUMENTS THAT WAS REQUESTED UNDER S.A.R - (Subject Access Request) WAS TO SUBSTANTIATE MY CLAIM AGAINST THE BANK. WHAT DO I DO YOUR ADVISE WILL BE APPRECIATED

What Are Claim Touts?

hi ALL,RBS HAS REFUSED TO PROVIDE THE DOCUMENTS I GUESS I HAVE TO GO TO COURT UNDER Data Protection Act AND ALSO TO GET THE DEFAULT REMOVED FROM MY CREDIT FILE. THE DOCUMENTS THAT WAS REQUESTED UNDER S.A.R - (Subject Access Request) WAS TO SUBSTANTIATE MY CLAIM AGAINST THE BANK. WHAT DO I DO YOUR ADVISE WILL BE APPRECIATED

thanks sparkie

thanks for the number i'll call,should i also send a letter,is the draft letter appropriate

Hi sparkie the letter is from joyce.in the correspondence the only contact number is a fax number.I intend to send the below letter. Dear Sir/Madam I clearly indicated a list of document in my original request,for avoidance of doubt I am stating this again. 1) ORIGINAL SIGNED AGREEMENT 2) DEFAULT NOTICE 3) DOCUMENTATION OF ALL CONTRACT THAT HAVE EXISTED BETWEEN THE BANK AND I This is not an exhaustive list by any means, it is just an example of some of the information I am missing. Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998. The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance without any further notice, together with damages at the discretion of the court. . .

I received letter from the Bank today,from regulatory risk. Thank you for your letter .I would like to advise you we have sent out any information we have been able to locate with the details you have provided.I understand from your letter that you feel that the bank have not provided you with all information you believe we hold and I would like to reiterate that we need further information from yourself to be able to locate further data as the bank uses numeric codes to locate data regarding our customers.On receipt of this we will give this our utmost priority. I have enclosed documentation from the information commissioners website regarding subject access request confirming the above. If you have any problems please do no hesitate to contact me at the above the address shown. This is annoying.I clearly stated that I want the original signed agreement,default notice,life insurance policy,original signed agreement etc. and the 40days has now elapsed.I also note the letter has been carefully worded. can someone please comment.

Thanks sparkie,the letters has been dispatched by special delivery

yes,thanks a lot

Hi Sparkie Thanks a lot.Please can you type a draft copy of letter to send to the CRA. This will be appreciated.I am an Engineering graduate and some of the jargons are new to me.But I am picking up fast. mssiah. From the little bits I have gleaned from your thread, the way I see it so far ( Imay be wrong) but ....if RBS can not supply copies of agreements banking contracts etc, as proof of the "alleged" debt then, by entering the default on your credit file and failure to remove it means that they are libelling you and that is also true about the CRA's ...both are committing libel against you. You should also write to the CRA's staing that RBS have entered false information on your file and unless they remove it immediately and say within 48 hrs you will sue them for Libel in the COunty Court....Libel action can be taken in County Courts now and has been made available to us "common" people as some snobs call us ....Libel action is no longer for the Rich & Famous only..

WITH REFERENCE TO THE BELOW LETTER .DO I HAVE TO PUT A TIME FRAME.LIKE 7 OR 14 DAYS.KINDLY ADVISE Dear Sir/Madame, I write to you regarding the failure of your data controller to supply all relevant information that you are required to supply me by law. I refer you to the letter attached received from your data controller requesting that I list the documents I require you to supply. May I remind you under an S.A.R - (Subject Access Request) request I am not obliged to do this, this only applies to automated processing of such data. The documents I require are not automated processed items I have requested copies of all documents held by RBS that relate to me (state here again agreements policies etc etc) which under the Data Protection Act and your Banks stated policy you are obliged to keep for six years period minimum. I hereby give notice that unless these documents are supplied or a confirmation signed by a Senior representative of the RBS, to the effect that no such records are held, I intend to apply to the court for an order to be made under CPR31.16, Pre-action disclosure, for you to supply the stated documents.