I got a standard we are looking into your request blah blah on the 13th of July but it had the wrong account number qouted on it. Phoned them about this and they were very applogetic and advised be to destroy the letter.

***UPDATE*** I sent a request to HFC on 2nd July 2007 heres what i sent:- HFC Bank Correspondence Department Central Complaints PO Box 3607 Birmingham B1 2XJ Date: 2nd July 2007 Dear Sir or Madam Account number - xxxxxxx After recently obtaining a copy of my credit file from Equifax I was concerned to note that your company has placed a "Default" notice against my account in my name. Further to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. 2. You must supply me with a signed true and certified copy of the original default notice 3. Any deed of assignment if the debt was sold on I would request that this data is provided to me within the next 28 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated. Yours faithfully dera

Jenni, Many thanks for that i could be wrong but thats what was on tv yestaday and yorkshire bank was one that was mentioned. If you find out any more infor please do let me know. I hope that they do settle your case Keep fighting... and dont give up Kind Regards Dera.

I beleave now all cases have been suspended until the OFT test case has been heard I might be wrong but that was just on sky news

Just getting all my information together and i will post once its all in order

Thanks for the info dave. I really need to get that defualt removed though and it seems that what ever way i turn it seems im constantly bashing my head against the wall. Any idea's as to what i can do to get it removed ??? Many thanks for the reply Kind Regards Dera

anyone ?? **Bump**

Hello all, First of all i would like to say whata fantastic forum, Applogies if this is posted in the wrong forum if it is please feel free to move acordingly. in 2003 i took out a £3000 loan with HFC bank of which i was paying back to them for a while. in 2004 i got into some financial difficulty and missed about 6 payments. I tried to explain my situation to the bank and as usual they wasn't interested. So they ended up defaulting the loan. I am now on track once again paying back the loan under the original repayment terms. This loan was never sent to a DCA and i have about 3 months left until the loan comes to term and finishes. I wrote to HFC asking them to remove the default and asking them to supply proof under s77 & s78 of the cca. Also asking them to supply a true copy of the signed agreement and a true copy of the defult notice. Today i got a letter back explaining that the account was defualted due to non payment from January to May of 2004 and therefore cannot be removed. They have sent me a default template, But no statement of account or a copy of the signed agreement, Stating that they are unable to locate a copy of the agreement at this time although if it is located it will be forwarded on to me. My question is surely if they cant find or produce a copy of the signed agreement then this alledge debt is un-enforcable. Can someone give me some guidance on this as with regard to my next steps. Many Thanks Dera.

ok will do and thanks for the info. dera

Sorry in advance if this is posted in the wrong place I just need some information. I am panicing abit because i have applied to for a job in the world of finance and I have been offered the possition. The problem is I have been sent a decloration form of which i need to complete and on the form it says that working with the company is conditional upon security checks from Equifax and the shared information system. To check for credit worthiness history of county court judgements or regulatory infringment. I know i have about 4 defaults although two are settled and the other two I am paying off still with the bank concerned. I am just now very worried that this will jepodise my possition within the company. I know i havent got any CCJ's Anyhelp on this would be fantastic. Many Thanks dera