Hello Thank you so much for coming back to me - yes I have it in an e-mail which went out company wide - they have not changed my contract which I signed four years ago though - with this amendment. Kind Regards, Natalie

I was wondering if anybody could help. I am usually paid on the 28th of every month and I go to pay for petrol this morning as I should have money in my account and my card is refused as no money has been put in there. Luckily I was able to pay with a cheque - Tesco's - thank you Anyway my companies strance is that it says in my contract that payment date is last day of the month - which is what is used to be but they changed it over a year ago to the 28th which they have done every month up till now. I am left with no money and they say it may not be till Friday that I will get paid - please can anybody help me with this and tell me what I can do to take action against them. kiri260180

Thank you for the above - I will do just that. I have sent my section 10 notice again along with the long letter from Surly as I realised after reading around the subject for about 10 hours! that i needed to send out the notice to their registered office which I didn't do - I sent it to the card office doh! So done it again today - probably get same response back but wanted to make sure I did it properly then will follow your route - I am willing to go to court - may need a bit of support if it comes to it - but I am willing to do it - taken all my other banks with regard to charges - so becomming second nature! Thanks again for info - I will keep this thread posted.

Bump?

NatWest are not playing ball they sent a letter back to my section 10 notice. Please see below for the wording of the letter below: I am in receipt of your section 10 notice, undated, (which it was) under section 10 of the Data Protection Act 1998. This was received in out office on the 6th November by recorded delivery. Our position is that the moneys you owed under the agreement were properly dues and payable. The default notice was properly served and your failure to remedy the default within the precriobed period resulted in our reporting the default to credit reference agencies. This processing of your personal data was in accordance with the consent you gave, as referred to in the first paragraph of your notice. I would inform you that, given the processing of your personal data was consented to by you and you cannot retropcetively withdraw that consent after the processing has been carried out, we do not accept your notice under Section 10 of the Datae Protection Act 1998 and do not intend to comply with it. Our action in reporting your default to the Drecot Refernce Agencies occurred while the contract was still 'active' and carried out in the conformity of the 'consent' you provided as explained above. We consider that our processing of your personal data is fair, lawful and warranted in the circumstances. We are not carrying out any continued processing of inaccurate data without your consent. The default notified to the credit reference agencies has been marked as Satified and will remain in you credit file for a period of six years from the original date of registration. (I am falling asleep by this point) If you have an issue about the credit refgerence agencies continuing to show your "bad" history in relation to the contract with us you should raise the matter with them and/or the Information Commissioner. Well I guess that is me told!! Anybody got any suggestions? Do I now file through the Information Commissioner?

If you are able and I know it is not ideal but when they next call at work get a friend to say that you no longer work there then at least they will stop bothering you at work.

Due to a move (no fault of my own - I was ill) from on end of the country to another and not being able to find another job I was not able to keep up with the payments. Yes car credit told me that if I handed back the car that I would not have any further money to pay that that would be it. So I handed back the car. A week later I was chased by GoDebt for the outstanding balance which was about £5000. They most annoying thing was at the time I had only had the car for 8 months and I bought if from them for about £3500 but when they resold it they only got £1500!! My car devalued by £2000 in 8 months. I queried with GoDebt the integrity of Yes Car Cedit at the time and stated that I had been completely done over and they said that as long as I paid them back an amount which is only £25 a month they were happy with that - for a debt company to be happy to receive this measly amount they must know that Yes Car Credit are in the wrong and they are getting money out of me that they shouldn't be getting. However at the moment I am not sure how to go about challenging it so to keep GoDebt happy I am happy to part with £25 a month. If anybody knows how to take these slime balls down I am happy to give it a go - as I still have about £4,500 left I would be happy for any pointers. Also Go Debt rang me last week and offered if I was to settle that they would reduce the debt by half?? Unfotrunatly as I dont have a dime to rub together I am not able to take advantage - but such a huge reduction they must be getting itchy feet and trying to revcover whatever they can.

If you go to this link and page 2. http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/78029-km_s-capital-one.html It gives the POC with contractual interest - it may give you some reasons as to why you are claiming the contractual interest. Hope this all Helps - and Good Luck

Here is the link - you hjave to read towards the end - as this is when credit cards comes up and the argument as to why it is okay for credit cards. http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/97691-contractual-interest-precedent-lost.html I will keep searching for you.

I cant believe the trouble they are giving you!!! If it were me I would file for judgement - no more running around you have all the docs from the court to support the timescales and the fact that they are claiming they have not received the papers from the court is not your problem. You have given them ample oppurtunity to settle and they havent - so file a judgement and let the court take them to task. There are some threads on here that Credit Card compunded contractual interest is completely justified - I will try to find them for you - it is only really Current Account where the water is not so clear. I will try to find them for you.

Thank you for your comments - that it what I am scared of doing by mistake so that is why I am waiting until Jan 08 just to be on safe side - and then I will start disputing them - will post how I get on in the future. kiri260180

Just to warn you that there was a precedent set with regard to claiming contractual interest - so when filling out court papers - be aware for this as some of the arguments that were originally on here as to why you should claim are no longer valid. Kiri260180

Well that is okay then - I will wait till Jan 08 just to be on safe side. Thank you again everybody.

Thank you very much - as I have three to do I better get writing - thank you again kiri260180

Dont touch Yes Loans. I paid out the £49 had to sign a contract to say that they would search on my behalf to find a lender that will help me with the loan for 1 month. After 1 month they couldn't find anybody - so they had my £49 for 1 month earning them interest - I had about 12 searches on my credit file which meant that I couldn't apply for aything else for 6 months as this did not look good and it took me a further 2 months to get the £49 back. I am sure they have helped other people - I just had a very bad experience so please be careful. I know what it is like with regards to finding money for children for presents - we have this year gone down the route of going through everything old toys linen etc and selling it on ebay - we made about £250! And it didn't cost a penny!

Hello I am afraid I am not able to help as I am not legally minded - but maybe better to post this in legalities forum as there are lots of legal bods in there that will probably pick this post up quicker - if it in there and may be able to advise. kiri260180

Just on the back of this - if the last contact between me and Vodafone was 6 years ago can they chase me for the debt (not sure if I do owe it or not as I dont remember having outstanding money owing) but can they chase me for it - if it has remained the same for 6 years? Or is the fact that they say they have contacted me (whether they have got through to me or not) is enough for the debt to remain open? Any thoughts?

Okay - I will go down the SAR route first then. Thank you for all your help - I may just to keep on the safe side - not do the SAR until Jan 08 - not long to go and that will then have been 6 years past since they registered the Equifax default - just in case it begins to go pear shaped. Thank you everybody though - I will do just that in Jan 08 kiri260180

Hello Camedinte I have been reading through and wish you good luck - looks like they are giving hell (including the court) right to the bitter end. I still have not received anything from them - I truly believe they have lost my details - I have done everything to try to prise the details from them and nothing. I hope you win every penny back - they deserve to start loosing cash. Will have to start route of going to the court to get them to issue the statements - but if your case is anything to go by - I dont fancy my chances - I cant beleive they are allowed to behave in this way without getting fined or anything. I am just truly disgusted with whole thing. Anyhow good luck and fingers crossed for you that it is resolved shortly.

I know that this may be a silly question and probably answered elsewhere - I have checked but cant find a post with the question it in it. I am filling out my claim form to take to court - so this on hard copy. The POC do not fit into the relevant box. Do I attach this as a sepearet document and refer to it as an appenidx on the form? Any guidance would be very much apreciated.

Hello Thank you everybody for replying. If I SAR them - will this not be admitting that I have the debt with them - in which case make me liable to pay the £90? The plot also thickens with this one - I have checked my other reports and on my equifax report they have entered in a £90 default but this default was applied in Jan 2002 - are they just issuing defaults willy nilly as I definately did not receive that default notice either. Also is a company able to default you on two seperate occasions for the same debt? I am just so confused now!!

Was not quite sure if this is right place to post but here goes... I recently got all my credit reports. On one Call Credit I have an item on there from Vodafone which dates back to 17/07/2000. On the report they are saying that I still owe them £90 and the account is in default - I really cant remember if this is true or not - I dont think that it is but I have done nothing about it yeat as I am not what the best course of action is. There is no Account End date entered on the report so I cant ask Call Credit just to knock it off due to time. The other funny thing is that they have a payment start date of March of this year!! - not heard a dicky bird from them so I dont how they are still able to keep this on my report by reporting to call crecit that they are still in contact with me?? Can anybody help as I am really not sure what to do. If they are keeping it open I could still have this on my report for another 6 years!! also though as I have not heard from them in over seven years surely this should not remain on report?? Please if anybody can help me with this pickle - I am all ears:D I have just had a look again and they have also put that the default date was 11/05/2005 - never received anything as this would have gone to my parents address and they open all my post - I would definately have known about it believe me if I had received such a notice.

Thank you for that - I will look it up on the forum - I saw somebody else refer to it. I will also re-jig - thank you again. As I have to take Natwest CC to court as well and claiming contractual interest there as well - I would like to make sure it is right - so thank you again.

I have also found this link for future people for the wording of the section 10 notice - hope this helps http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-dpa-notice-if.html

Not sure if I am posting int the right area but I was wondering if somebody could have a gander at my POC - it is with Barclaycard and I have inlcuded contractual interest - I know that there has been some trouble with claiming this lately but thought I would have a go anyway. Any ideas if this is okay? Contractual Interest 12. The claimant claims compound interest on the amounts claimed, using the rate and method as applied by the defendant to monies it is owed. A schedule of the charges and interest calculated is annexed to the Particulars of Claim. The claimant’s ground for seeking restitution of the compounded contractual rate of interest is that the defendant would be unjustly enriched if the claimant's entitlement was limited to the statutory rate of interest in that the defendant has had use of the sums and would have used these sums to re-lend at commercial compounded rates. Additionally, the Claimant has not had the benefit of the sums and has therefore been unable to use said sums to repay borrowing elsewhere. (7) The removal of any prejudicial information which the Defendant bank may have passed to third parties in relation to the Account and in particular the removal of all Default Notices registered with credit reference agencies since this was caused solely by the level of disproportionate penalty charges. The Claimant’s request is made under the Data Protection Act 1998, section 14, which gives the power to the Court to order the removal of inaccurate personal data.