FSA Register See if him or his company is registered. If so this hardly meets the Treating Customers Fairly guidelines. Phone the FSA. If not phone the FSA. He shouldnt be trading. A bit like Trading Standards they should have this info on record. What a horrid man! Your blood must have been boiling. Quite apart from anything else mortgage companies are no longer supposed to call cold for business. (They do seem to have found a few ways around that though)

This is really confusing and I am having a hard time just trying to explain what I need to know without going into all sorts of extra info. Repossessed house not sure of exact date as I left the property. The bank letters state 2000 but the court papers state November 2001. In 2001 I paid a lump sum equivelent to 10 months payments direct to branch. I have no receipt.I was told the accounts were all closed. (I now know this was not true) In 2003 I saw my house for sale online and was told by estate agent that a bank was selling it. DPA bank in March 2003 and got very little info from them but there was no outstanding money owed from me so I just thought move on + start again. Looked at docs from DPA bank again this year and can see no lump sum deposited against any of the accounts so I sent another SARN and this time recieved info that I didnt get in 2003. Still no deposit of lump sum that I can see anywhere in accounts but as yet I dont have all the statements. What I did find was a copy of what was given to the courts to process the repo and my lump sum was acknowledged there athough it was hand writen in as a credit to the account. The writing is easily varified as the same bank person who signed off the account. I have several queries about this situation but wondered if an auditing company could tell whether the continued interest that accrued on the accounts had the cash deposit taken into account or not? I am also concerned that although the banks documents state the level of interest charged after enforcement of the repo that there was more charged. I can see that I will probably have to go the courts to have the bank give me all the info. I have asked for it and even told them that I am querying the whereabouts of the missing cash. I have not even had an acknowledgement letter from them even tho 6th is deadline day & I sent letter next day delivery. I have checked reciept of letter and delivered ok. Does any of this make sense? What do you think of the auditing idea? Would it work?

Anybody ever used one of these companies? Or know anything about them? How do you find out if they are a reputable company? I need to find one and would really appreciate it if anybody could shed some light on this query? Thanks Cat

Is there anything happening on this Nathal?

Brilliant news !!! Have been reading your citi thread, maybe they'll pay in full soon too? Have you seen whats happening with nathal & your mates the Northern? If I had any rep to give I would give you some

Repo info also held by the closed user group within the Council of Mortgage Lenders and is shared to other mortgage lenders. If repo isnt on file it might be an idea to just leave the data alone.

I hope somebody out there can help with this. In September 2000 we recieved 7 letters from our bank (+ mortgage lender) all stating that "we regret to advise you that the Bank has today stopped the above named joint account and it now requires immediate payment of the sum £###### for which you are both jointly and individually liable. The letters then go on to say that we will be charged interest and have 28 days to pay. I have the information from a Subject Access Rights Notice that I served on them in 2003 but as my aim was not charges related I did not pay too much attention to the info I didnt need at that time. This particular query is about the mortgage account. I have just realized that there was no court date untill June 2001 and no possession order granted untill August 2002. The house was sold in March 2003 We were told in Sept 2000 after recieving the closed account letters that the house had been repossessed. My partner was the main earner had became quite ill and even though he had a payment protection policy sold by the same bank it did not payout, so we just left the house to get peace for him to get better - bricks and mortar didnt seem as important as his health. This mortgage account was closed on the 22nd September 2000 and the house not sold untill 2003 and we were charged interest the whole time. Could this possibily be correct behaviour on the banks part? We had 7 accounts including this one and they are all paid now but the total amount of interest the bank took on the sale of the house in 2003 was £13031.84 and that was just to close the accounts (the same accounts that I have letters telling me they are stopped in 2000) I have not finished counting the charges yet. I am very concerned that the statements I recieved in 2003 showed clearly the interest charged but when I did my recent Data Protection Act these figures are not on the statements - photocopied so that there are no figures on the right hand side. Any legal minds out there that could suggest firstly if I have any come back on the amount of interest paid or any other suggestions? Any feed back or help would be really appreciated. Cat

Well I know they own Ulster Bank but WHAT????? is exactly right. I don't understand their logic on this one @ all but I'm quite sure you will have a nicely worded hurricane of abuse hurtling towards them very soon. Cat

Jodie This makes my blood boil! Your dad was on DLA and your mums a housewife which means that they were entitled to the interest only portion of their mortgage paid up to £150000 and it would be paid directly to Mortgage Express on a monthly basis. HB can be very slow in these circumstances but does eventually kick in and back pays the lender to claim date. Has the house actually been taken by ME or did your parents leave? If the house has already gone I would start claimimg everything you possibily can from them but do look into the HB query. If your dad was getting DLA the benefits office should have given them the correct info about HB. If ME repossessed the house while they were getting paid from the DHSS or waiting for payment then that is just completly disgusting behaviour from ME and from the judge concerned.(need good legal help if this is the case) In my experience judges normally allow for a suspended possession order in these cases. Speak to CAB as they have solicitors experienced in repossession cases and should be able organize a free meeting. If its all gone passed this stage claim every penny you can and I really hope you will be able to help your parents in some way. God love them, its bad enough having illness to cope with without all these money and housing problems too. You do need to be in full possession of all the facts regarding the house and charges so do your SARN letter and if the house hasnt actually been taken yet I would see a solicitor, get proxy to act for your parents and follow Seminoles advice. Best of luck Cat

Thanks for replys I spoke to CS @ Nationwide yesterday and was told that there was no block or stop put on my account. I got quite cross as my online account stated call Customer Services and CS were telling me that there was nothing wrong with it. I refused to get off the phone untill I spoke to a higher authority. Eventually a guy came to the phone and I asked him stright out if they were trying to inconvience me because I was claiming charges back. I told him that I had read several accounts of the actions of Nationwide against people who were claimimg. He told me that all accounts would be closed when Court action was taken but that they werent allowed to to anything to accounts before closure letters were sent out. I told him that I didnt believe him and he went on to say that he had read "the" website (no name of site mentioned by him) and he was aware that Nationwide had a reputation for doing this! I told him to correct whatever they had done immediatly or I would take this matter all the way to court and claim for damages as well as charges. Again he stated that they had put no stop on account. He put me on hold to take advice from a manager and when he came back asked me to sign back onto my account. It is now working and so is my ATM however I will change all DD's this weekend coz it will probably go off again LBA will be recieved again. I have printed off the status off my account yesterday and kept the declined statement from post office (just in case) Cat

I have been wondering if, taking all the various systems at work within the banking system that they would now be shareing information between the various lenders about customers who are challenging the lenders? Not quite a CIFAS but some other confidential warning code or check? (that we dont see) If not I would imagine that it wont be long in coming ..... The thought worries me as I see peoples files on a regular basis and have come to the conclusion that nearly 50% of them contain info that is incorrect and in many cases ruins otherwise good files. I have tried (with not great sucess) to help with getting info corrected or removed, however the advice given by the CRA's " contact us and we will issue a note of correction and investgate for you" means little more than nothing in most cases and people are left with deflamatory incorrect info on their credit files. And this is the info we are allowed to see! The more recent the mistake the more chance of correction but Ferru I think your assumption is correct - the CRA's seem to believe the lenders everytime and as far as I can see you will need to get your bank to change the info and if you can do that the CRA's will follow suit. Sounds like Dave may have a different answer ????? Anytime your ready Dave !!! Cat

I have only sent my LBA letter off today. I have just tried to lift money from the post office and the girl told me my ATM card had been declined. Came back into work & tried to look at account on line - also off. Last night I tried to put money into my account at 4.55 but after telling them that I was going to lift money at their ATM and would be 2 ticks they locked the door and watched me freak outside in the rain. This resulted in my mortgage payment bouncing. Lender will lift DD again in 7 days but my account is in credit now & I cant take any money out. I am on the phone to Nationwide as I type but apparantly there is nothing wrong with either my card or my online account.(even tho online tells me to contact customer services) I do have a parachute account but didnt think I would need it just yet. Is this normal from Nationwide or am I just being mega paranoid?

I presume that Capital Bank got the court to remove the CCJ. I got letters from both the EJO (Northern Irelands Registry Trust) and the lender confirming removal. I asked about the dates of default as mine was dated after the CCJ was registered and as this is a breach of Data Protection Act the default was removed from both Equifax & Experian. Cat

I would take it that Friday is your deadline but I dont have any reason for that except common sense (this is the Northern your dealing with so anything could happen) I wonder if they are using an external solicitor for these cases. My money is on CCJ by default. They would need some manual intervention to file a case and then actually go to court so I doubt it would happen. No automated system for these services yet!! Cat How much are the tickets for the Northern (no) show?

I had one CCJ that was registered twice. It was a joint loan account that should have been registered as one CCJ each for me and OH. I just wrote a strongly worded letter to the bank and told them I would go to the Information Commissioners Office about it and they removed it completly. They did not question any thing about OH and did not re- register it in OH's name.It was not satisfied at that time and was nearly 3 years old. Write to the bank concerned stating that you will ask the Information Commissioners Office for an assessment of the incorrect and defamatory data held on you by a public body. That may be the quickest way to get rid of it and only costs the price of a stamp. Registry Trust information is classed as public info and lenders seem to be very vary of this being wrong. (only once you notice it!!!) Are the defaults you mentioned for this same debt? What are the dates of defaults and CCJ?

Black Horse are owned by Lloyds. They provide car finance, personal loans and secured loans. You can claim off them just the same as you can from any other lender. Others on the forum are claiming of BH. Black Horse Ltd - Can they do this? URGENT HELP REQUIRED

This link should help. You need page 8 and the bottom of page 12. http://www.experian.co.uk/downloads/compliance/dataprotection_guidanceondefaults.pdf Cat

Hey Lickthewallfatboy Any more news from the Northern on this? Cat

Cars are cheaper in England than Northern Ireland and many of the English lenders do not lend in NI so when I choose my new (2nd hand car) on line I also arranged for my existing provider to secure the finance. I faxed my personal details & finance account details along with the contact name etc to the garage for them to communicate with Lombard to finalise the figures. This was on 15th July. On 19th July I was declined for a loan I had applied for so I took a look at my credit files on line. I had 11 searches between the two files all from car finance brokers and all but one to lenders who would never accept me as they dont lend in NI. All of the searches had dubious information about me, wrong date of births, wrong first name, mis spelt names and incorrect length of time at address. The brokers had obviously made up details. I called the garage who denied passing my details to anyone. (said they didnt use brokers) Equifax & Experian take forever to sort out disputes so I started phoning around the lenders and explaining what had happened. I had to send written confirmation of no consent given and a copy of the date stamped fax that I had sent the garage before any searches would be removed. All the lenders involved with the exception of Capital Bank are in the process of removing searches. I also confirmed that every single search was instructed by the garage ( not sure if I should mention the name or not) On speaking with Lombard yesterday they confirmed that they had had no contact from the garage. Maybe as there was no commission in it for them. I need suggestions as to what action I can take against this company if any. I have checked and they do hold a Consumer Credit License however The OFT told me yesterday there was nothing they could do. Is this another one for Information Commissioners Office? I would prefer something quicker! Suggestions please. My blood is still boiling - I spent an entire day chasing this matter and trying to get it cleared and still have more to do. I was declined for a loan which I was sure I would get, my credit files could have remained in that state for quite a length of time unknown to me and with all the conflicting information may even have looked as potential fraud or ID theft. Sorry for long post - kept it as short as poss. Cat

So they want to go to court to discuss their non compliance of The Data Protection Act? Well this will be fun. Are you inviting people to this farce from the NB? Not that it will go that far especially when they realize that they didnt even read your letter 22nd June. Norma will be in trouble. Cat

You will get copies of their logged calls by serving SAR - (Subject Access Request) therefore you can prove the contract was cancelled and if you dont get them o2 will be so worried about the data protection implications that they will cancel your bill and debt collectors. Either way - you win

08003289393 is the BT Indian call center letting you know that they called. My calls from this number related either sales or to a late business bill (3 days!) Cat

o2's admin is terrible at the minute. Dont want to jump on your thread but I similar problems over the past few months and have eventually managed to sort it by using Data Protection Act. Do you use their online service? If so have you checked your online bill? There is more info on it than I was ever aware of before. Part of my problem was charges from ring tones that were never ordered and never arrived but I was charged for them. ( My personal feeling on this is that o2 are passing numbers to the ringtone companys) o2 have also recently stopped free browsing which was part of the contract I took out with them. Apparantly they sent all customers a text message to inform them of changes. I recieved no text yet I was charged. I also cancelled my contract by phone, email and letter (part of complaint) and yet they didnt acknowledge the cancelation for months during which time I had several bills that I didnt owe so I didnt pay. I served a SAR - (Subject Access Request) - (Subject Access Request) - on them (Peter Erskine) and specifically requested copies of all phone calls. It seems that a lot of the people who speak for o2 are actually staff who work for LBM (out scourced in Manchester and Belfast) and they are having problems collecting the data. This action has worried them enough to telephone me and reduce my leaving bill to £0.01. ( also got it in black & white) To date I have recieved no Data Protection Act data from them but have no bill either! And they also removed several dulicate searches that they had done when I was going to transfer my business phone to them in May. It doesnt need saying that I took my business account else where. Have you checked your credit files to see what they have reported? They use Equifax. Check with them what the charges are for - if ringtones or internet browsing complain directly to them as I know they are having serious problems with these "services" at the minute. I would serve the SAR and add that you will be seeking compensation from o2 for misuse of personal data which has resulted in debt collectors being actioned. I am quite sure that Moorcroft should not have left sensitive information with the new owners of your old address. Mention the detrimental effect on your reputation caused by this action.(and if any adverse data reported on file) o2 are just a mess at the minute and will not go to court about this. Cat

I have been with pipex for four years now and no complaints at all, they even increased upload speed for online gaming - no idea what that actually means but it made a moody teen much happier and made no difference to price. Cat

Hey Lickthewallfatboy Hope your money is back where its supposed to be! (or would I rather see the NB brought to justice in court and publicly embarrassed?) Hard call. . . . . . . I jest. Hope your money is in. Keep us posted. More power to your elbow. Cat