Hi all, Apologies if this question has already come up, I searched for a while and couldn't find anyone posting the same thing. Over the past few months I have been trying to get old default notices removed from two accounts I have - one with HSBC and one with Natwest. I have been going back and forth by post, asking them to demonstrate they gave me the appropriate warnings of the defaults being added (as per section 78 of the Consumer Credit Act) and I have requested information under the data protection act. HSBC has subsequently come back to me with an interesting defence, which is that these aren't actually 'defaults' on my account, but rather late payment notices, and as a result they had no requirement to warn me in writing that they would be added to my credit file. On closer examination of my file, it turns out that these are indeed late payment notices and not defaults. A couple of questions then: 1: Are late payment notices not subject to the same written warnings that defaults are? 2: Are there any strategies members have used to get late payment notices removed? Thanks for your time, OS

Yeah I feared as much. I think its a 'lesson learned' situation really to make EVERYTHING clear in any agreement signed, down to what furniture is provided and what isn't. I take your point on witholding rent but I'm never keen on that as a course of action, could end messily and affect future rentals. Making use of our 6 month get out clause and going to take our money elsewhere! Cheers for the advice!

Ah, sorry, no they showed me round on my own, when I say 'us' it is because I share the tenancy with my girlfriend. However I dealt with all the viewing etc on my own unfortunately.

Not as such, all we have is the pictures which were sent over to advertise the property and of course the agent's name who showed us round. Two agents in the office were present when they said that they may change some of the furniture but it would be done with that of a similar standard. If we were to compare the pictures of the flat as advertised with the way it is now you would see the stark difference. I don't have those to hand but could get them for you.

Hey MrShed, We did receive an inventory but it was done after the furniture was changed and before even the replaced table had arrived. Our tenancy agreement does refer to 'furnishings' in the context of 'damage to furnishings' but nothing specific. We do however have photos which were sent to us when we first went to view the property. It does clearly show items of furniture which are no-longer at the property and have not been replaced. Any use?

We signed for our flat at the start of March this year, moving in on the 20th. When we signed the flat was furnished beautifully and looked amazing. They said that they might replace the table and bed, but with furniture of an equivalent standard. When we moved in they had replaced the items with cheap alternatives (£60 foam mattress!) and simply removed a lot of it and not replaced it at all. We demanded compensation for this and it has been refused. Do we have a compensation claim for misrepresentation? Who should we talk to about this? Our flat is a single bedroom for £1300 a month! Not too cheap! Cheers :-|