I am challenging Direct Legal And Collections over the continued refusal to remove a default notice even though they have never verified the debt and have never pursued me over the debt. They continue to write to me with various threats, but never follow it through. I need to follow the correct procedure from start to finish in relation to a MBNA credit card. I have made a SAR for the original credit agreement, sent the £1. What is the next step if they cannot supply the original agreement?

Hi guys, to out a guarantor loan 13 months which I have kept up payments on, I would like to know if I can relieve the guarantor of any burden and responsibility?

Complaint already registered with them, letters gone off to CEO and customer relations.

Yes to the first 3 questions and 16 years to the last.

I've started complaints procedure in writing. The O/D is 2000 and up to its limit.

Thanks for your reply, I understand that ignoring is also considered agreeing? Is an O/D regulated by the consumer credit act and can be defaulted the same as a loan?

Halifax have withdrawn my O/D facility and won't renew it, they continue to add a daily O/D fee rendering me further into debt. This does not seem to concern them. I explained that I cannot pay it back which fell on deaf ears. What is the way forward with this ?

Ignore them, bunch of chancers on a fishing trip to see who they can hook in. Do not enter into any dialogue with them, do not agree that you owe them, the burden of proof is on them, not you.

Can unsatisfied defaults be challenged? The DCA has never pursued me through the courts despite numerous threats. They have never validated their claim and insist the default remains.

What did Action Fraud Site say?

I made an application via Wentworth and it was then passed to a company called Ralph Marlon Loans who did offer me a loan with extortionate interest rates which I declined. I called consumer direct who gave me some direction on what to write in a letter, see below: DO NOT IGNORE THIS NOTICE Notice to Principal isNotice to Agent; Notice to Agent is Notice to Principal. Loan Ref Number: To whom it may concern. I am writing to request afull refund of the broker fee of £139.90 that was taken from my debit card twice.It is my belief that during the original contact over the phone with Wentworth Direct Finance that there was misrepresentation when it came to loan application process, lending and approval criteria. At the time I was toldthat I had met the lending criteria and that I had been approved for a loan when in fact this was not the case. Misrepresentation also took place in theliterature that you sent out in relation to the illustration of loan amount, amount repayable and the APR which was quoted at 22%, this again is not a true reflection. It is my belief that onthe basis of the information given I parted with the £69.95 broker’s fee under false pretences, you then took the fee again on the 2nd March 2012 without authorisation. As such youare given 7 days to refund the fee in full. In DEMANDING an upfront payment fortheir brokerage services Wentworth Finance act unlawfully: the licence issued to them by the Office of Fair Trading limits brokers to a nominal £5 sum foradministrative costs.I have reported this practice toconsumer Direct and will be raising a complaint with the FSA, Office of FairTrading and Trading Standards. This was sent recorded delivery Saturday 3rd March. I received a text this morning which reads: Your refund has been completed. Funds should reach your account within 5 working days. Good luck.

I made an application via Wentworth and it was then passed to a company called Ralph Marlon Loans who did offer me a loan with extortionate interest rates which I declined. I called consumer direct who gave me some direction on what to write in a letter, see below: DO NOT IGNORE THIS NOTICE Notice to Principal isNotice to Agent; Notice to Agent is Notice to Principal. Loan Ref Number: To whom it may concern. I am writing to request afull refund of the broker fee of £139.90 that was taken from my debit card twice.It is my belief that during the original contact over the phone with Wentworth Direct Finance that there was misrepresentation when it came to loan application process, lending and approval criteria. At the time I was toldthat I had met the lending criteria and that I had been approved for a loan when in fact this was not the case. Misrepresentation also took place in theliterature that you sent out in relation to the illustration of loan amount, amount repayable and the APR which was quoted at 22%, this again is not a true reflection. It is my belief that onthe basis of the information given I parted with the £69.95 broker’s fee under false pretences, you then took the fee again on the 2nd March 2012 without authorisation. As such youare given 7 days to refund the fee in full. In DEMANDING an upfront payment fortheir brokerage services Wentworth Finance act unlawfully: the licence issued to them by the Office of Fair Trading limits brokers to a nominal £5 sum foradministrative costs.I have reported this practice toconsumer Direct and will be raising a complaint with the FSA, Office of FairTrading and Trading Standards. This was sent recorded delivery Saturday 3rd March. I received a text this morning which reads: Your refund has been completed. Funds should reach your account within 5 working days. Good luck.

I don't have a contract with a DCA, I had a contract with MBNA, a DCA is a third party who have never been granted a permission in my affairs and have no first hand information in relation to this matter. I think the fact that the DCA have never pursued this speaks volumes, because they can't take it to court and recover the money. There must be some recourse?

My credit card debt was defaulted and sold by MBNA to Direct legal and Collections. As to this date DLC have never proved I owe them any money and have never started collection proceedings against me. My agreement was audited by solicitors who produced a report that showed 9 breaches in it. There was some dialogue with MBNA who kept claiming it was enforcable and complied with requests up to a point. During the dispute I was advised to stop paying, ( I realise this was not good advice) MBNA defaulted me and sold the debt in June 2009. DLC have attempted to get me into a contract/agreement but I have rebutted them with not entering into a verbal or written contract. I sent a series of letters to them which they have never offered a substantial reply, if fact they stated that they would not enter into any more communication about the matter. They refuse to move the default and CRA's never fully investigate this in any depth. They say, if the DCA says it's valid it stays. This default should not be on my credit file and should not remain. I really need help on how to progress this to a successful outcome, ie; having the default removed. Please help!

OK I have got to the bottom of this, it is the Health Lottery conducting address searches via 192.com and not through World Pay Risk management who are working to resolve this 'as we speak'