'If you want a copy of your default notice, you should have sent them an S.A.R - (Subject Access Request)' I asked for a copy of my default notice following the advice contained: How To Possibly Remove A Default Notice From Your Credit File as stated on the LearnMoney webite Remove Default Notices on a Credit File - We show you how. Is a Subject Access Request significantly different from a CCA request?

This may seem an obvious question, but I'm not 100% sure what I hoping to recieve from my creditors after making a CCA request. Surely they have some form of template that they use when issuing default notices, or maybe it's even 100% automated? What's to stop them just filling in the blanks and claiming it's an exact copy of the original that was sent to me. Would it be any different? How can you ever know youv'e recieved the a copy of the original?

Thanks for your advice. What does "bump" mean and why would someone post it?

Hi, I've begun my action against the banks and credit companies to remove my defaults and I'm now attempting to remove my CCJ's after discovering this forum. I'm amazed by the wealth of good advice and experience offered here. I was wandering if anyone here has used the reasons stated at this link to get their judgements removed: Removal of CCJ's - Valid reasons to have your judgements set aside I have 2 CCJ's that I have paid and settled and was about to get them registered as satisfied when I found the above web page. However, when I looked on the Court Service web site they said to only use the N422 form to get your judgement set aside if you dispute the original judgement, which in my case was made by default as I did not respond [i was living in denial of my debts], and have since paid it. Has anyone had any success using this method of removing judgements and have I left it too late? Your advice is much appreciated!

Hi, I've begun my action against the banks and credit companies to remove my defaults and I'm now attempting to remove my CCJ's after discovering this formu. I'm amazed by the wealth of good advice and experience offered here. I was wandering if anyone here has used the reasons stated at this link to get their judgements remove: Removal of CCJ's - Valid reasons to have your judgements set aside I have 2 CCJ's that I have paid and settled and was about to get them registered as satisfied when I found the above site web page. However, when I looked on the Court Service web site they said to only use the N422 form to get your judgement set aside if you dispute the original judgement, which in my case was made by default as I did not dispute it, and have since paid it. Has anyone had any success using this method of removing judgements and have I left it too late? Your advice is much appreciated!