thanks for the reply

Hello Anyone know what credit card companies check only experian when you apply for a credit card. I have excellent experian record. Equifax refuse to remove 2000 entry for small default so i cant apply for a credit card through equifax checked credit card co's. And i dont want a refusal as will lower my credit score with experain? Thank you all great site

Hello Anyone know what credit card companies check only experian when you apply for a credit card. I have excellent experian record. Equifax refuse to remove 2000 entry for small default so i cant apply for a credit card through equifax checked credit card co's. And i dont want a refusal as will lower my credit score with experain? Thank you all great site

Have complained about Capquest 7 times!!! To: OFT Financial Crimes Unit Gareth Thomas FSA Consumer Direct FOS Several other MPs in Finance positions from all political parties Have also asked parliament if Capquest have had any dealings with MP's, Lords, Civil Servants etc of an "UNUSUAL " nature. several other statutory bodies i have comlained to .. complain complain complain!!!!!! we will get Capquest investigated and their licence revoked, keep recordings and all dealings on file dont throw anything away, your day will come soon when you will see Capquest on the deck

Thanks ODC an everyone i will get ODC letter off first thing Saturday morning after sending another complaint (£500 cost to DCA ) to FSO.

Hi everyone No default (D) on my cra file, just a defult/delinquest balance box entry for £3,108 Just lots of u's. I dont think i paid £25 but they sent a credit card statement to say i had though it looked photo copied, should i aske for a court order to show original at court. Or a court order to say how it was paid, what method and ask for strict proof? What court action can i take to order dca to remove the info on my file as they have no cca for alleged debt? Thanks Thanks

Hello everybody Great site, i am looking for help for an alleged debt from about 9 years ago and now have had a look at my experian file as have applied for a virgin credit card and been refused. on my experian file i have: current balance £3,285 credit card starting balance £0 default/delinquent balance £3,108 start date 4/4/01 date updated 4/5/04 "customer has left address and not provided new address" have asked the DCA to remove it as they have no CCA after sending for it and after Subject Access Request still no CCA. " we cant find the cca but and debt is unenforceable but the debt is still owed and has been passed to collections" said DCA. the dca say i made a payment of £25 5 years ago so they say not statute barred, they sent a credit card statement showing a £25 payment so i mst have paid the £25 5 years ago but do not recalll the matter is there a court order i can use to get them to remove the information and if so i would be grateful for the links to the text or forms or stickie to help and links to case law on the forum have just applied for a credit card and been declined by virgin, they said see experian file thanks for your kind help

Dont ever, ever, ever, ever, ever, speak to them. Change your tel number tomorrow for a stress free life. Send a CCA request tomorrow and do NOT sign the letter and send a postal order for £1 not a cheque and never sign anything as dca's are alleged to forge signatures to make agreements enforceable in your eyes. good luck

Hello fAB SITE on my experian file i have: current balance £3,285 credit card starting balance £0 default/delinquent balance £3,108 start date 4/4/01 date updated 4/5/04 "customer has left address and not provided new address" have asked the DCA to remove it as they have no CCA after sending for it and after Subject Access Request still no CCA. " we cant find the cca but and debt is unenforceable but the debt is still owed and has been passed to collections" said DCA. the dca say i made a payment of £25 5 years ago so they say not statute barred, they sent a credit card statement showing a £25 payment so i mst have paid the £25 5 years ago but do not recalll the matter is there a court order i can use to get them to remove the information and if so i would be grateful for the links to the text or forms or stickie to help and links to case law on the forum have just applied for a credit card and been declined by virgin, they said see experian file thanks for your kind help