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flegimoo

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About flegimoo

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  1. Greetings all! A bit of a random one. I've written to an ex creditor - RBS (Our contract was terminated in 2005) requesting a copy of my agreement and all documents relating to it (SAR issued). I sent a 10 quid postal order... They advised they don't have the credit agreement or original application form, or copies of any letters or calls, notes on my account etc. They have sent only copy statements. I wrote back asking they don't have the other documents as surely they should be kept on file? They said nope we don't have to keep anything on file so tough basically. Is
  2. Good shout. Thanks mate, I'll have another go that way then. Appreciate your advice.
  3. I've tried the Styles negligence route, they say that it's very very unlikely they would make that mistake as they would DPA me before continuing with the call. They say that I could have been paying someone elses account and that this would be an appropriate defence. This was said over the telephone by the way. I have just completed the following letter to try the DPA route, I don't know if it is spot on but it might be worth someone having a look: Thank you for your prompt response regarding my letter dated 30th December 2009. I am somewhat puzzled by the content of yo
  4. Thanks for replaying. It was a card payment unfortunately. The have returned my subject access request with statements only. They can't locate the credit agreement. Does this give me authority to request the default removal via the DPA as they do not hold my signed authority to process my date to CRB's?
  5. Hey guys, SAR returned statements only. RBS who own Style said in their letter to me that they cannot find an original copy of the signed agreement and that there is no correspondance or notes relating to this account. Considering I have been lettering and calling them for a few months I find this weird to say the least. The account is closed. I wrote to them requesting that under DPA they remove all data relating to me as they do not have a copy of my signed authority to process my data including removing the default....is this right?? Cheers, Fleg x
  6. Thank you again for replying... They havn't sent the template, the lady that I spoke said that they only have a template not a copy of the original. I have nevertheless requested a true copy of the original default in my SAR. I assume a template will follow in the originals absence.
  7. Thank you so much for replying. I'm one step ahead, I sent a SAR today with the £10 special delivery. On the same letter I also requested any default charges be returned by cheque. I have already been told they don't have the original default notice letter only a template. I also have copy statements from the time and the balance was £87 in April 2005, Default notice issued for £125 in July 2005 (no spending on the card during that time). They have accepted a payment was made for £138 on 29th May 05 but not allocated to any account and therefore returned to my account on 9
  8. Greetings all... Firstly can I thank anyone that takes the time to read and reply to this thread, any help is extremely appreciated. I recently checked out my credit file as I was about to start looking at buying a house. On there I noticed a Default Notice (Settled) from Style Financial Services (Store Card) in July 2005. In a nut shell the story is... The original deliquent amount was £89 in April 2005 This rose to £107 inc a late fee and interest at 29th May 2005 I paid £138 (quoted by Style) to Style on 29th May 2005 to clear the account although recredited
  9. Thanks for replying ieaun, it is really appreciated.. It has been paid 4 years ago! I paid it to their DCA 9 months after the original payment was made to them. The account is closed. Style accept that a payment was made to them by me but it cannot be proved that it was for that account and therefore wont remove it on that basis.
  10. Greetings all... Firstly can I thank anyone that takes the time to read and reply to this thread, any help is extremely appreciated as this story is complicated and lengthy...please try not to get bored... I recently checked out my credit file as I was about to start looking at buying a house. On there I noticed a Default Notice (Settled) from Style Financial Services (Store Card) in July 2005. Odd I thought. So in a nut shell the story is... The original deliquent amount was £89. This rose to £107 inc Fee's and interest at 29th May I paid £138 to Style on 29th
  11. Greetings all... Firstly can I thank anyone that takes the time to read and reply to this thread, any help is extremely appreciated as this story is complicated and lengthy...please try not to get bored... I recently checked out my credit file as I was about to start looking at buying a house. On there I noticed a Default Notice (Settled) from Style Financial Services (Store Card) in July 2005. Odd I thought. I contacted them requesting further information advising them that according to my bank statement this was paid in June 2005. I requested an original copy of the default as
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