Hi all finding the information on this thread to be really helpful, I have recently challenged my credit cards, Capital one and Barclaycard over unfair charges…. The date which I started legal proceeding (issued N1), against both companies was the same date which defaults appeared on my credit file. Both credit card companies paid out in full before a court data was set, but the information on my credit file now indicates a default notice with a satisfied status next to it. I have contacted the credit card companies and the CRA only for the credit card companies to insist that I breached my credit agreement and for the CRA to state that after contacting the relevant companies the information on my file is correct. I don’t really now what to do next; I will submit the relevant information to the IOC with all the letters which I have sent whilst reclaiming my charges along with court documents and see what the outcome is. I think I have seen somewhere that financial institutions can not communicate any information to third parties is an account is in dispute….is this correct, because I will add this information into my IOC paperwork………… Any advice anyone could give me would be greatly appreciated. I also have a dispute with TSB, regarding the same matter but this case is currently on hold pending the outcome of the current test case, although this is on hold, I have a default from TSB regarding these account and have a collection company called 1st Credit phoning me every day to ask for payment, and they have recently indicated to my that they are commencing legal proceeding…….still waiting for written conformation……

Hi all, My appologies for posting this here if it's the wrong place, I'm a bit overwhelemed at the tinformation.lol. Basically my question entails how to remove defaults from a credit file placed there by a credit card company (capital one) after they already folded once the court claim was issued. I'm not up on all the information since it was a friend of mine that took the claim on but he is now working in Holland without regular net acces and asked me to enquire how he should go about this. I'll post his message to me to explain: I guess I should have amended the spelling/grammer but it is a quote after all So my question is his question,what should his next move be.