p.s when I say I was sent a letter, I mean to say that I was sent a suggested letter to send to Lloyds, but it was too complex for my tiny mind to understand....

Hi

Received the attached paperwork back from Lloyds and have been told it's incomplete.

Am I missing the below:

• Signed statement of the account.
  
• True copy of any agreement
  
• Historic Terms and conditions from when the account was opened.
  
• Current terms and conditions.
  

or what am I missing.

I was sent a letter earlier, but I didn't completely follow it, so wonder if anyone can look at the attached and advise what to write?

Thank you

Twinks

Lloyds.pdf

Hi Everyone

Got a response to my O2 letter....

Thank you for your recent letter about the default O2 has registered on your credit file. I'm very sorry that you hadn't received the itemised description of your usage for your final O2 bills, I understand the frustration this has caused.

When investigating this matter further, it seems that the balance on your credit file is correct. Your June and July 2004 bills are still unpaid and this has led to debt recovery action. Regretably, due to the time it has taken you to contact us to request a copy of the bills in question, we no longer have them. O2 aren't regulated by the Financial Services Authority and so aren't required to keep the copies any longer than necessary. As it's been over five years since the bills were produced, they're no longer available.

You've suggested in your letter that you withheld payment until you could see an itemised copy of the usage information, however, there is no record of you requesting this prior to the closure of your account or following. In light of this, i'm unable to accept that O2 are at fault for failing to arrange this and so the balance on your account should be paid as requested by Westcot Credit Services Limited. Your credit file will remain unchanged.

So.... what to do now? I did contact O2, so many times requesting this information (break down of the bill) but it was from an old work email (the only one I had at the time). I had many replies from O2, but pretty standard "yes, you owe this money".... it was infuriating then, and it's infuriating now.

What do you recommend. I think another letter is in order.

And how about this for funny - I wrote them a letter from my current address, and they responded to my parents address. Classic! can't even read the address at the top of the page....

Hello everyone!

Sorry to open this old thread up again but.....

I keep on looking at my credit file and it shows how many payments late in last 12 months on the experian report.

This file always shows up 12 payments late. Still showing up as late payment rather than a default on it. So, it's definitely definitely been more than 6 years - nearer 8 years now, since any payment was made against this account.

As I said before, they've never defaulted it, so as it stands, it's always going to be on my credit file unless something is done about it.

I'd have thought that they would have come knocking before now to chase payment, but they haven't...

So, no request for payment from them for 6 years now, and no payments made by me for 8 years.

To get this removed or at least moving in a different direction here, do you think it's worth subject access requesting them or just CCA'ing them.

I got both letter ready to go from months ago, but held back but now, i just want to get my credit file in order. If I want to get a part rent / part buy scheme in place with our local housing authority then i'll need a credit file with no defaults or late payments on. And other than this and a silly £111 for a mobile phone balls up by O2 (not me) i'm looking pretty healthy now.

What do you think? SAR / CCA / nothing at all / something else?

Thank you thank you thank you x

ah - interesting.

So should I contact with OFWAT do you think? Do they have any power over the water companies or are they a cotton wool organisation that say how things should be, but don't enforce it?

Can you send me any further details on where I can find out more about this backdated billing statement from OFWAT?

Thank you

I did sign this in branch.

Am composing the letter as we speak....

Hi

I've written to O2 today - it takes me forever to get around to it!

I've basically explained the issues I had surrounding accessing the information on my mobile - the problems I had viewing my on line bill and how I tried to rectify the situation and contacted them on many occasions and requested on numerous occasions a breakdown of the bill as it was completely uncharacteristic of my mobile usage to make £50 of voice calls in a 10 day window (which is what it amounted to).

I've said that paying the £111 was never the issue, the issue was that our contract stated that the bill would be available to me on line, and I would make payment against my usage. The bill was not available to me, just a random figure that made no sense.

I've tried the appealing to their better nature, saying that the default on my file for £111 will affect my credit rating and ability to get credit in the future and that if they can send to me details of my account and a breakdown of the bill, then I would be happy to make a payment if I owed it. I'll see what they say. If i don't get a satisfactory response, i'll send the letter to the big bosses (if I can find their details) and keep going. Hopefully they'll crumble, but I don't hold out much hope.

They have been completely useless since day 1 where i've been so completely open and willing to pay if it is owed...

we'll see....

Complaint with Experian didn't bring anything good up - here's their response. SAR to Egg now then.....

Credit Expert Response.pdf

Hi all

My partner moved into a two bedroom flat in October 2003.

The flat is small and the second bedroom is tiny (big enough for his 8 year old when he comes to visit but no good for an adult).

The flat is in a block of 9 and was a new build at the time of him moving in.

In 2006 we received a bill for £1,500 + from Southern Water.

We're now paying £70 a month on these bills and have the balance down now to £700 (as every 3 months we get a further £130 bill or thereabouts).

When we received the bill, we asked the water company to check the bill and they supposedly checked the pipes for leaks and and then they checked in the flat. The water man said that there was water leaking down the back of the cistern and over a period of time would account for the level of water usage.

A statement from Aug 2007 states that Southern Water introduced a new billing system and they transferred our previous balance to the new statement. We have no statements prior to this.

My issues / queries are:-

1) We never received a water bill for the first few years of living at this address? Is this not the problem of the water company and not ours?

2) our water is metered, the meter being out by the road in a manhole cover that we cannot access and have not been able to see any water readings. how do we know that the water from our meter, was not used by the builders for mixing cement etc.

3) the water and other utility companies have a habit of putting people on payment plans and threatening court action for non payment of bills etc - can they really do this (can we question this) if we do not have visibility of the meter and never have..?

does anyone know how to tackle this?

Is £130 for 3 months around the national average for a tiny flat? the toilet has no leaks and we do around 3 loads of washing a week. Hardly the biggest users! we shower and turn the tap off when we clean our teeth! we're pretty careful and I can't help but feel that we're being fleeced a bit by Southern Water.

Is there a letter template out there I could use? I guess I still want to have all readings from date of moving in to present day.... but I want to tackle specifically the years of no bills and then where the £1500 bill came about (& proof of this)

Thanks for any help you can give!

Hi

Not meaning to sound really dense here, but they've sent me a copy of the agreement and the terms and conditions of 2002

Am I just missing the signed statement of the account & current terms and conditions?

I just need to be clear in my mind, what i'm disputing.

Should I put the PP issue on ice until I hear back from them?

Thanks

do it by the book. send it recorded and send the £1.00

they'll either find it within the timeframe or not at all in my experience so i doubt that it'll make much difference except for putting you back a fortnight.

I'd start the process again to document it well for your records

Thanks vint1954 - what do you think about the paperwork they sent back? Is it complete for paperwork to be received after requesting a CCA or do I need to go back to them for more "bits" (statements etc?)

Thanks again!

Hi all

Paperwork rcvd back from Lloyds after my CCA request

Any comments?

Anything to do with the payment protection I can do?

Thanks!

Lloyds.pdf

Thanks Katpuss

I got the paperwork in my bag and meant to copy it at work today and cross out my personal bits.

The loan was 2002 - i'll scan it in and post it up tomorrow.

Thanks!

Hi all

Got an old debt with Lloyds for a loan. Defaulted on my file (old debt).

I have been paying each month direct to Lloyds and CCA'd them

They sent my signed agreement, with terms and DD instruction to me.

Couple of questions I have are:

1) it shows payment protection has been added - is there something I can do with regards to this - i remember some story about this being incorrectly sold?

2) there is no statement of account, no paperwork other than original agreement. Should I receive some other bits from them?

Thanks

yes please - seems like a good idea - can you move it for me?

Hi all

Has anyone ever asked O2, or a mobile phone company to remove the default from their credit files and had any success?

If so, could you let me know how you asked for this? any letter - or any brilliant paragraph to put in the letter would be appreciated!!

Thanks!

Cool. Thanks - I will do that postggj

I'll let you all know how it goes

Should i request a SAR when I write to Egg threatening FOS do you think?

OK

Cool. So i'll write to Egg and Experian, stating both references of my experian report and ask them to explain why the info has been changed and threaten them with FOS...

And to correct it...

Hi

I don't have the original default notice - back then my way of dealing with debts was to chuck the paperwork in the bin.... silly me.

I've not checked equifax - i've been tight and didn't want to pay twice but I guess I should huh!!!

All other debts that I defaulted of that time were 2003, not 2004...

Any good advice on what to say in these letters to FOS and Egg and Experian?

Thank you

Thank you.

I don't have anyone chasing for this debt. A couple of years ago, I had a DCA contact me and sent a threatening letter.

I wrote back to them and told them of my issues, that I would be happy to pay if O2 could provide me with the information I required.

The DCA told me they would pass the account back to O2 and it was closed from their end.

O2 have not chased me, it's just a nasty red mark on my credit file that I want rid of.

Taking into account the above, is it ok to send this letter? I have no idea about a/c numbers and so forth, as it was an on line account, a few years ago...

Thanks again for your help!

so i'm over a barrell.....? even though their contract was to upload my bill on line, and they failed to do so satisfactorily....

Yes!! I've got them:

1) on line - experian save all the credit files that you download and

2) on paper - I printed out one last August (2008) so I could mark off what was what and double check details.

I knew that this Egg one was due to drop off my file, so when I went to check a couple of weeks ago, I saw that the original default date had changed from 2003 to 2004....

Hi everyone

A few years back (4 I think) I had an O2 contract for my mobile phone.

The account was a paperless billing type account, that meant I could access my bill on line and pay for it on line.

However, the information for my bill online, was a nightmare. I could barely ever access the information, and bills were not updated.

I got a bill for around £50 of voicecalling minutes in a really small window of 4 or 5 days when these calls were supposedly made.

I tried for months to get a breakdown of the bills, but the only way of dealing with O2 was via email (old work email account), which I did to no avail. I ended up in dialog with many different people as it was a global address and no one could help me. All i wanted was a breakdown of the bill.

I guess because the bill was jackanory, they could not assist. However, the account went into default (for £111) as I refused to pay without a bill (online or however).

I still have the default on my account, and to be quite honest, i'm naffed off with it just sitting there when I was completely in the right. They were complete crooks.

I've no idea whether i can CCA O2 or not? anyone else had anything similar, and can you help in how i can get this sorted?

Thanks