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rentarded

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Everything posted by rentarded

  1. Ok thanks I will do that. The default was entered at the end of 2004 which is a bit of a pain. The balance was paid off almost immediatly without any fuss. I'm just a little gutted that they dont legally have to show me the agreement which would have been a great starting place to get the ball rolling. There goes the house for another year or so now then!
  2. Hope that everything is OK? I will send this today and keep you all informed as to what happens from here on in.
  3. Thanks for the help there Pinky. The reason I am asking is that some years ago I had a current account with HSBC that was defaulted. I paid the balance immediately when passed to Lowell however the default (as expected) still remains on my file. It was a long shot so I sent a CCA request through and I was advised that current accounts are excluded from these kind of requests. I then asked to see copy of the original default notice to which I received a response advising that they have requested this from HSBC and will send in on when they receive it... this was over 2 weeks ago.
  4. OK general question here as I have been doing some trawling through the forums over the past hour. 1. Is there a legal requirement from a bank, cc company etc. to supply you with a copy of a default on your account/credit file satisfied or unsatisfied? 2. Can you legally force a removal of a satisfied default if they are unable to supply you with an original copy? My eyes hurt with searching!
  5. What a hectic couples of weeks!!! Anyhoo with a nice bank holiday Monday free I did some research and came up with this. I aim to send this on 5th May so any advice please? Dear sirs, Thank for your letter and documentation dated 17th April. I must stress that I am slightly disappointed with your response as you have seemingly supplied none of the documents that I am legally entitled to. An application form is not legally considered as credit agreement. As you will be no doubt aware, the Copy Document Regulations requires that documents are easily legible and clearly the te
  6. The last time I think I used the account was late 2005 early 2006 at best... I believed there to be no balance and I certainly had received no communication to this effect. I have moved address in during this period but moved away from home where my Mum still lives so I know I would have had some post if indeed it was sent. OK so this is what I am going to do thanks to the advice. 1 - Write a letter to HFO advising that I know nothing of the debt and again ask for the default documents, deed of assignment etc. (Maybe I can start with a template AGAIN?) 2 - Send SAR to Barc
  7. Thanks for the response Donkey I honestly thought that the account was closed in 2005/2006 with a balance of £0. It was a student card that I never really used so to see it on my credit file the other month was a shock to say the least. So with them only sending me the application forms and lots of standard T&C's inc. CCA print out what are my options? I have not received any default notices or any statement to show why this is the case. I am really worried about this now and especially as this potentially could effect my credit rating until 2013 and I don’t know why?
  8. OK so here we go, please follow this link ImageShack® - Gallery The signed document is poor on quality (as recieved) however if you click on the image and then close in it is pretty clear to read whats what. I also recieved a loadt of T&C's along with a 1 line "statement" saying how much I "owe" them. Hope this helps and thanks again for the help here!!
  9. S. Thanks so much for your help... I will upload the documents when I get home today and take it from there.
  10. Sorry for the duplicate I wrong pasted my old message. I can never actually recall receiving a default notice from Barclaycard what so ever???? I do remember having one in my student years but the account was not really used and the I have had no communication from them for years so I imagined the account was closed and never gave it a second thought until last month when I checked my credit file. To my horror there was a default there from HFO placed in 2007 for just over £1000 to which I have absolutely no memory of. It's all very scary as I don;t really have debt or know how to deal wi
  11. I must say that I am amazed. I have been really busy recently but set some time to one side for lunch to compose my complaints letter to Trading Standards and HFO but when I got home a response from HFO was waiting for me on the door mat. They have sent me a signed application form from myself on 1st March 2003 for a credit card. The pack also includes the terms and condition along with a closing account balance of the default balance showing on my credit file. Is this what I asked for and is this relevant? I was also given warning that I should call them immediately to make a payment pla
  12. I must say that I am amazed. I have been really busy recently but set some time to one side for lunch to compose my complaints letter to Trading Standards and HFO but when I got home a response from HFO was waiting for me on the door mat. They have sent me a signed application form from myself on 1st March 2003 for a credit card. The pack also includes the terms and condition along with a closing account balance of the default balance showing on my credit file. Is this what I asked for and is this relevant? I was also given warning that I should call them immediately to make a payment pla
  13. thanks for all the great help from everyone so far, much appreciated... I will compose the letter when I get home and post it on here.
  14. I'm not exactly sure who the original creditor is... I have sent many letters to HFO all unanswered but signed for on recorded delivery. Then I thought I would go down the official route which now I fear I have done wrong. HFO placed the default on my record in 2007, I have had no notification, no demand for money or no communication from them regarding what this could be about.
  15. Thank you for your response. Am I correct in thinking that after a certain amount of time I can force the issue and have my information removed from their records and my credit file? OR have I done this wrong and have file a formal complaint?
  16. Hi all, This is my first post and I could be a little naive so please treat me with care for now This is an account on my credit file from HFO with a default which "occurred" in 2007. There is a full outstanding balance of over £1000 of which I do not believe I owe and I have certainly never been contacted regarding this. I wrote numerous amounts of letters to HFO requesting they explain why, when and where etc but never received a response. I then did a little research and came up with this, 19th February 2009 Dear Sirs, I am now beginning to grow tired of the consta
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