Thank you - so much that is great. kiri260180:p

Hello I have been reading up on the site and I am claiming against both Nawest Credit card and Barclaycard (got to LBA stage and no cigar) I am claiming from both of them the contractual interest. I was wondering if people who had done this before had any suggestions as to how to word the POC as I am not legally minded I do not want to get it wrong. Any suggestions or pointers would be great.

Hi I am desperately trying to find a section 10 notice. I am probably being blind but I can find one anywhere - does anybody have any suggestions as I have been looking for the last 1/2 hour and I am runniing out of thoughts as to where it might be. Thank you:)

I was just wondering if you had a copy of this letter - I am in exactly the same position - not many charges from Natwest CC but enough to be annoyed about - and a default to remove. Please could include the letter that you sent so that I can take a look as even though I know I need to go down this route I am not entirely sure of how to word it. Thank you

Thank you so much! I will do just that - Natwest CC Beware - I am coming to get you!! I keep this thread posted with what happens.

Furthermore to Chesterexpress. I am no longer an estate agent and I always acted with the utmost integrity. I would help anybody on this site if they needed it - no matter what profession they were. At the end of the day people have to earn money - cant begrudge them that and sometimes it is in professions that other people may not like but that doesn't mean that we should not help them. kiri260180

Thank you very much Bernie - at least there is somebody with some decency. I will contact them - thank you again. Kiri260180

Okay, I have done some further investigation and found these posts. They do not really tell you how they affect your credit rating but there are stories about people having them removed and why they are on the file. If anybody can tell us how they affect our credit rating - please let us know! Links: http://www.consumeractiongroup.co.uk/forum/general-debt/114887-linked-addresses-previous-searches.html http://www.consumeractiongroup.co.uk/forum/general-debt/93320-linked-addresses-experian.html http://www.consumeractiongroup.co.uk/forum/general-debt/26326-credit-reference-files-question.html

Exactly - I have no idea! It does not seem to be something that they cover in the literature either. Please any help from anybody who may know?

Hello I was wondering if anyone can help me - I probably received whilst I was an estate agent about £3000 worth of parking fines. I would like to back over them and check they are all as they should have been - but I have no paperwork to do this. I cant even remember the registration numbers of my previous vehicles - can anybody let me know how I would find out the vehicles that I previously owned. Also how I would go about getting the ticket information from the councils. Thank you, kiri260180

Exactly in the same position as you. I was at uni and had quite a few abodes then went into bar trade and travelled the country - had no idea that they were going to list every single address on my credit file - my linked address' are four pages long - this cant be good - they also go all the way back to 1998!! Any ideas anybody??

Please can somebody help me? I sent in a CCA request after the account was settled - stupidly. They did not reply to it - did not even acknowledge it or send back the £1. Somebody told me on here that they don’t have too after the account has been settled. The reason for me trying to get the original agreement was so that if they could not produce it then they shouldn't be processing my data and they should remove any information on my credit files that they have put on there. (Namely a default on all three which was only settled at the beginning of the year - so this is really bringing down my credit file and will do for the next 5 years if I don’t get it removed). As apparently I can’t do this now - please can somebody help me out and find out how I can possibly go about getting this removed - it is the only chain around my neck and I really need help with this. Thank you kiri260180

I have had my credit report and on the Experian report I have about 10 million linked address' as I have moved around a lot. Does this have a negative effect on my credit raing and if it does how do I get the removed? and how long should they stay on there for? Thank you for any help with this - all three are so confusing - as they are all so different!

Thank you everybody for your posts. It just seems so wrong that companies can hold your card details without you knowing it and then take money without your authorisation. Something needs to be changed - it means that anybody in that office has access to my card details! - not very secure if you ask me. That is probably why card cloning is so common nowadays. Anyway thank you - i will not give them a mouthful then for the moment - think I might ask for a copy of my credit agreement instead - that should keep them busy!! Thanks again kiri260180

Hello I currently have my car finance with Welcome Finance. I always pay my payment monthly by a debit card. I have not given them authority to hold the details of the card, I usually give them the details each month as I pay from two different accounts and I alternate them sometimes. This particular month as I was a day late they took it upon themselves to take the payment themselves from my card using the details from the previous month. I phoned them up and had a right go as it just so happened I did not want to pay with that particular account, and they refunded the money after 5 working days!! Where do I stand with this legally are they in breach of their contract. I want to get rid of this finance company and any ammunition or bargaining tool would be greatly apreciated. Thank you, kiri260180

Sorry if this has been answered elsewhere but I still have about three credit cards to claim against Barclaycard being the biggest are these claims being held as well or are these still going ahead? I was not sure as I know bank account claims are being held by the major banks. Any info much apreciated

Thank you guys I will go down this route then. Will keep you posted.

Hello I am in a bit of a pickle and I dont quite know where to go from here. I had a barclaycard account I defaulted on it and had to start paying a DCA back there is £330 left on the account, I recently asked for CCA and list of charges and it turns out the only copy of the CCA they have is unreadable, you can make out my signature and theirs but you cant read anything else. Where do I go from here - I will list what is going on round my head as that may be easier to read. Do I ask for them to write off the £330 as I no longer aknowldge it? Does this mean that I wont be able to claim back my charges? Do I ask for them to write off the £330 and also claim back the interest that I have paid over the account period? If I claim back the charges am I admitting to the debt? Please I really need some help with this one, I am trying to draft a letter back to them and I really dont know what to say. Please Help!

I had the exactly the same thing but luckily I had the account on my credit record (you dont necessarily need to be defaulted for it to be on there) and I sent a copy to them asking them they were processing my data if I they I did not have an account with them. They soon found my account details pretty quick!! There is a lady at Barclays who is really helpful called Natalie Page. Her e-mail address is [email protected] e-mail her and she will help you. (hopefully) I think I may also have her number somewhere so I will try to dig out. I hope I have been of some help.

Thank you for the tip Yanni - I will look out for that the charges arent much about £120 so I will see what happens Just dont want my only way of getting my credit score back up, taken away but this does not seem like it will happen - will have to watch this space!! I will keep you all posted - thank you everybody!

That is great thank you have sent off my request for my money back. Thank you kiri260180

I am not 100% sure but I think that Providian was owned by Barclays before as the place where you have to pay in too is Barclays Bank I have 1 statement and on there it definately has Barclays on the paying in slip. Anyway Barclays have been awful to deal with as well and I had a real fight with them to get my statements and they are also forcing me into taking them to court. They were not this bad though. I will see what I get back from letter as I say they have 7 days and then I will see where I go from there. kiri260180

I called Ms mclean and no answer and no chance of leaving a message so called Monument customer service who gave me runaround did get Ms Mclean's e-mail address though so I have written her a long and stinging e-mail. I will see where this gets me and I will let everybody know my progress. If I dont hear back from her with my statements in 7 days I am going to start a claim on estimated charges as they cant provide my statements they will have to prove otherwise and I will see what happens, I dont think I had a huge amount about £200 or so but I am going to chargev thenm £12 for every month of statements that they cant provide and I will see what happens if I loose I loose I hae not lost out on much but if I win I get more than I would have been claiming. Will keep you all posted. kiri260180

That does not sound too good. I will get onto them - I am thinking though as there is not penalty for them not too provide it we are fighting a loosing battle especially if they are waiting I dont think that they have anything too loose. There is nothing to threaten them with either apart from turning up on their doorstep. It is not too far away from me and I am thinking now that is quite a good idea!! I will look into it. kiri260180

The account was opened in 1999 I think and was closed in 2002. Hope this helps.