I am wondering whether there is an offence at all in these instances if you possess a blue badge, regardless of whether or not you actually display it, which is why these people initially try to play heavy but then back down. Most people I know put the wallet on their dashboard but on some cars it could be quite tricky, depending on the layout and shape of the plastic. We've finally got the DLA people to give my other half the middle rate care component so next step is a blue badge for her.

I've decided to try and get a CCJ removed from my credit file. All I really need to know at the moment is, on N244 who's now the defendant and who's the claimant? Am I the claimant because I'm the one making an application? Or am I the defendant because I'm the one who owed the money in the original claim by the creditor?

My understanding was that it is immaterial whether you show the blue badge or not. The mere act of possessing one is sufficient. My partner does not have a blue badge yet but a friend recently successfully challenged a fine when he forgot to display his badge, even though his car was photographed by those dishing out the fines. All he did was phone them up explaining the situation and giving them his badge number. It's not my area of expertese, though, but try that if you haven't already done so.

Well, this is the draft letter I'm planning on sending to Cap One ... Any comments? I am writing in relation to a default that was placed on this my credit file by Capital One. As the problems were directly caused by grossly excessive charges being placed on the account, making it both impossible and pointless to keep up with regular payments. The Office of Fair Trading has since ruled that credit card charges should amount to no more than £13, but that even this could be challenged as being an unfair and excessive charge. An examination of the statements recently supplied by you show that on some months you were charging £40. The debt has since been passed on to Robinson Way, with who I have finally reached an agreement whereby the balance requested is very close to the actual amount owed after all the charges are removed from the account. However, after examining my credit report I have discovered a default placed on there from London Scottish Bank, the parent company of Capital One, over a situation that Capital One directly caused with your excessive charges. I am therefore requesting immediate removal of the default from my credit report. Failure to do so could lead to further action and further costs.

Thought I'd add my support for UK26. I have a law degree but the CPR always confused me and I hated learning about the Data Protection Act (tedious). This thread is full of amazingly wonderful pieces of information.

I'm trying to ...

I've just got access to my Experian credit report. It makes interesting reading. There are a few errors on it. Issue One I live in Cardiff and there are two streets with exactly the same name and both are in districts/areas with exactly the same first four letters (one is Pentwyn, the other is Pentyrch). For years we've been getting letters addressed to us but intended for someone else. We always thought that he may have been a previous occupier, even though my partner has lived here for at least 15 years. However, my credit file reveals that this person actually lives over at the other address because he's listed on there as having been the victim of ID fraud. So this entry obviously needs removing from my file. On top of that I have a default notice on file which belongs to this guy. I received a letter at the start of the year which was originally addressed to this other address, but it had my name on it. We received it after the address had been scrubbed out and our address written on the envelope. Believing it was for me but not sure what it was for, I contacted the debt company who sent it and they told me that it was for Great Universal ... I've NEVER had an account with Great Universal. I told the debt company and I haven't heard anything since. So I was a little surprised to see this on the file AND that it was still being updated. Issue Two There is a NEXT catalogue default on there which still shows a balance of over £380. This hasn't been updated in 3 years. The balance should be zero since it was paid in full a long time ago (probably 3 years ago). Issue Three There is a Capital One default. I stopped paying back into this account after being hit by up to £40 in charges a month. I was about to request £360 back but came to an agreement earlier in the week with Robinson Way to pay a reduced balance over 12 months. The reduced balance gives me more of a rebate (by about £50) than if I got the £360 taken off the account. However, I now need to try and get Capital One to take the default off the account. What's the best option? Issue Four Natwest Bank have put a default for £470 on there. This is all charges they allowed to accrue on the account AFTER I'd told them to close it. I'm looking to claim back £600 in charges from them. What can I do about this default? Issue Five Not sure if anything can be done about this one. My largest debt by far is with Littlewoods catalogue. It's around £2300. I received a letter a couple of months ago (first one in ages from them) offering to accept £50 a month, which I don't mind paying (can't find it at the minute though). My issue with them, however, is their irresponsible lending. My partner, who has a major problem when it comes to money (I've even had to ban her from doing the weekly shop at ASDAs - I do it all), had access to the account. The account started off with a credit limit of just £200. Because I was deemed a good payer, they increased the limit ... time and time again without notifying me first (it's an issue I have with ALL lenders - wondering if it's a breach of contract to do so). Every time they increased it, my partner also had to spend it (she can also be deaf - never seems to listen until it's too late). When I realised that we were going to end up with some problems with this account, I asked over the phone to reduce the credit limit - they refused. Is there anything I can do about this one? Any advice on the above would be appreciated.

We've been having issues with CapOne for the past couple of years. My other half is currently paying a £2200 cc bill at £5 per month by direct debit. My £870 bill, on the other hand, is going to be disputed. It's been in the hands of Robinscum Way for some time and we have a major argument on the phone with one of their droids a couple of weeks ago. If they want to be funny, then so can I. I've already got a copy of my statements from Capone. They show a LOT of charges, some amounted to £40 per month. In total it works out at £320, plus the additional interest this caused. I guess the next task is to get a copy of the original Credit Agreement? What then?