It was MBNA direct, I dont know when the card was originally given but from the file I think around pre 2003, it was certainly no later than that as thats when the papertrail via the cd seems to start. What I can't see and Im guessing it's standard fayre is any balances on the dvds statements, they're all redacted, there is an offer post their original sar request for them to settle but it doesn't give any amount and when they didn't respond a further letter sent before the SAR was finalised states they\ve not been sticking to their written agreement and they need to contact Cabot... .but in the payments section it shows all payments have been made solid for 4 or 5 years now ......and on cabots side when they add money to her balance they term it as an 'adjustment' but when I look through the correspondence (via the dvd) there is nothing from Cabot to them stating as to why they've 'adjusted' their balance. This is pretty consistent with how Cabot increased my own debt with them except cabot added much more to my own one

I don't think so either, I had a similar route as this and Cabot have never been able to substantiate any of their claims. I'm looking through the SAR via the CD, Cabot state on one of the files that they wanted to speak to my friend as they were unsure as to why they were requesting said information, they commented that if it's for a ppi then they Cabot do not hold any copies of the original credit agreement and that my friend should be contacting MBNA direct...... Quite how Cabot got that judgement in court without any original credit agreement is anyones guess, I thought at the least they'd have had to provide it but again in default judgement possibly not (both this and Link were default judgements)

Indeed, I would have thought the Op would not be the only one struggling for a signal on that particular mast but maybe they're the only one complaining, more complaints would help, chat to neighbours, put a note in the local post office etc... One other point would be to visit the 02 forums and start playing your face in there? Same with their twitter feed etc and if you can find a way in phone their Executive Relations team and keep on badgering them.

Mbna ....

No and no, no joint debts, have recently hooked up and married their long term partner, they're wanting to finance a new home but the property is owned solely by one (my friend) and they want to sell and then grab a mortgage with their betrothed.. ..there are restrictions (or cautions, I'm not sure which) on the property, some lenders have apparently refused to lend untll the charges are dealt with and they're not able to get another mortgage until they rid themselves of their current one. It's a mess for them

Yup I know (re citi) ...they just should have asked for help, it's been ten years of them paying. They don't know on who ordered the payments (the debtor) (hence why trying to get some reference re paperwork) they have no paperwork of any description (part of why I've tried to help them get some) save for Link periodically sending them statements, they're now wanting to sell but the Charges are causing a problem both for prospective purchasers and indeed them.

I'm not sure it's of any help and this post is months since, but before anyone signs a contract for a phone (new) they should always check coverag on the proposed network. I don't have a contract phone as the signal here is utter rubbish on any network, if was being charged each month for the privilege I'd be raving. Sim Cards are a £1, simply buy a selection of them from the main networks (as some like giffgaff use o2 etc) and stick them in your phone at the places you use it most, you'll soon find out what is good and what isn't and not for much money, at least that way when you're about to jump into bed with an Airtime Provider you'll have a general idea as to what to expect.

OC was Citi-Financial just in case anyone was wondering.

No they bloomin didn't and they should of as Link had nothing, the judgement was given in default, they didn't even file a defence, crazy I know, but they buried their heads in the sand. Now they're straight (some years later) Link wont let go. I knew I should have checked before posting, but it appears that just yesterday Link sent a statement and it shows the original £10 postal order being apportioned against thw debt, they've shown a deduction on the debt of £10 and referenced it as a postal order payment (which the SAR was)....but I'm sure on the SAR from here, it states the money is not to be used for the SAR is not to be offset against the debt? I'm not sure what benefit there is to that as they are paying back each month ...but what it has does is allowed Link to sidestep the SAR....

T&C's of the original credit agreement from the OC you mean? The CCJ was for more than 5k....

I dont ever accept the first answer or sometimes even the 2nd answer a CuSe rep tells me, often it's the computer says no scenario so moving up a tier on the complaints level usually draws a human that has access to work round the system to find a viable solution. My ISP fell for renewal end of last month, I called them as you do, they couldnt offer me a deal as I'd signed up for an 18mth Contract with them, I pointed them to an email sent a year before that gave me a 12month contract, they couldn't see it, wouldnt acknowledge so I redialled and raised it to a complaint...a few calls later and I got a deal that gave me another 12 months at reduced rate and a confirmation email again to confirm, if at first you don't success try and try and then bludgeon them into submission. As for new customers, in my case yes, each year we do it with House Insurance, it's paid and my partner is on the insurance as joint owner, each year the renwal comes in higher without exception (this year it was 10% increase) so my partner ask for a new policy and was given it inclusive of the usual new customer discount and it returned it to a price less than the renwal and almost the same as last years (just a little less) Next year it will be me as the named Policy Holder, it's been this way for around a decade now. The only drawback I can see is that you lose a no claims discount but for me it's about the price, so if by signing up each year gives us a discount less than the renewal then thats what we'll do and do ....do so to speak.

They already have one, Link are asking for more money from the debtor, but there was nothing in the CCJ that allows them to ask for more money, Link periodically send a statement but despite being requested to send a full statement they simply send a payment record. The amount on their credit file is not consistent by a long way with the statements they're being sent. I see nothing wrong with them attempting to get information from Link, their has to be accountability somewhere along the way.

Not to be confused with Link. (and not my own beef with cabot) Another ccj and a charge on a property, Cabot obtained them both, it's been sometime, the debt never seems to dwindle A recent Sar to Cabot came back with transaction details that are consistent with ones of my own, as in the alleged debtor has consistently made payments each and every month since the CCJ (it's been some years) there are no breaks in the payments save for one returned payment but this was remedied a few days later. However, working through the transactions I can see Cabot adding different amounts during the period the alleged debtor has been paying back. Reading further in to the SAR there is zero by way of communication from Cabot to the debtor to advise/tell them as to why they've added their payments and as far as I'm aware the CCJ is not interest bearing or anything. From my experience this is what Cabot consistently seem to do, add on more debt, this time it's a ccj, I have no idea as to how they would be allowed to do that given there have been no payment breaks. The debtor wants to get the charge off the property, hence why they're starting to chase. The amounts totalled that Cabot added on is close to £1500 Ordinarily and as in my case I'd have advised to stop paying Cabot until they can prove the debt but as this is a CCJ and with a charge on their property I think the smart and only way is to continue payments but look at Cabots activity on the account since the CCJ.... right now all I can see is a debt that hasn't decreased by much due to the amounts Cabot have put back on.

Link owned the debt, post a ccj on the alleged debtor....a sar has been sent to the OC but they haven't responded either

As expected an Recorded Signed for Sar was sent to them at the beginning of January, they well outside of their 40days to supply, all that occured within that 40 days is they made a call to the alleged debtor asking that they contact them ( I advised they ignore said calls and to wait for the Sar) No Sar has arrived What next?

You can have 1 point for rbs (assumuing it's them that underwrote Sainsburys Credit Card but 0 for Tesco..... Still 1 point from 2 isn't bad, 'every little helps' right?

Funny you should mention Lloyds, many years ago and in the late 90's I had an current account with Lloyds, I met someone, we got along, I moved to be closer to them When I did I maxed my account and then had a loan and it went on from there, the amount owed was quite high, then things went wrong and I was forever at the hands of the faceless Lloyds collection department...they were merciless, in the end I wrote to some head honcho in London, he was a human and we eventually managed to agree a settlement figure on all my accounts, (part of it was bad lending by a lloyds bank manager that overstepped his remit and I was naive enough to accept what he was offering. I did have payment protection on that account, it was and still is the only account I knowingly had protection on and only then because it was my first account after leaving school...it grew with me.... I'm pretty certain part of my failing on the account(s) was that amount charged on protection, it was quite high, it didn't cover anything because I still maintained a job and at the end of it all I signed and agreement as did lloyds that the settlement figure was full and final...it was approx 5% of the original amount (which in itself was eye watering, even by todays standards....revisiting the PPI on that would not be something I'd want to do, it's almost 20 years since that was put to bed.

I wish i hadn't asked I've never thought about scanning the docs, ever! I so wish I had but there must be and kid you not, 8000 pieces of paper... They're in good chronological order, I 'think' I'll continue to store them as they are boxed/lofted and anything else that may come in i'll scan.. I do have oodles of data storage available to me and from looking the other day I think amazon offer me some for being a Prime member. One thing is clear after reading, I don't think I'll be shredding/burning any of it. PPI's wont come out of the woodwork though, I never signed up for them at any point right from when I was a wisp of a girl.

Thanks for the further clarification re the stat barred, I wasn't sure. Now thats cleared up, the credit card was with Sainsburys Bank, the Savings account was with Sainbsurys. The DCA that attempted to collect was Robinson Way.

Ok, will do, good enough for me. Thankyou!

Attempting to put order into chaos, one such chaos is the forest of old paperwork I have on long since gone debts. I'm not talking about anything current (as in live accounts) but more on old credit card alleged debts from the last decade, they are all either settled/done with/stayed or stat barred.... Is there a need to keep all the paperwork to the now stat barred debts? Settled Debts/ done with (old accounts that i've simply closed down) Some of them are stat barred by 6+ years, others 4 years stat barred. I'm keeping the paperwork on all live accounts/stayed accounts as these may be needed at some point, but the rest I'm thinking they should be shredded/burned?

I'm currently working my way through old accounts and such like and closing down where applicable those I don't use but have not yet been classed as dormant. One of those accounts was a savings account with a well known retailer, almost 20 years I've had it, they periodically send me a statement, amount saved was under £40. I also had a cc with the same company, it went tits up around the same time as most other ones and it ended up in default, I wrote to them as I did all of my creditors, stated how it was and that I'd be making token payments and then came consumeractiongroup and I went from debtor with no hope to an alleged debtor that became empowered, I dealt with my alleged debts and helped others around me do the same..the cc debt mentioned here simply faded, I did for a time receive letters from dca's re the debt but I chose to ignore them as they ignored my plight in the first place. In any case, the cc debt mentioned has been stat barred for some time, maybe 6 years of stat barred, I know the debt doesn't vanish, so it's out there somewhere. My point (ok it took awhile) when I was closing the aforementioned savings account down they asked me if I wanted the money paid into an account they had on file for me, the account is still live so I agreed for them to do this. (all by phone).... However after the call I was putting paperwork to bed and came across a letter from the original creditor (well known supermarket) where they said at the point of default that they would collect any money they could from any other accounts I may have with them (my savings account possibly?) they never did, but I chose to leave the account alone just in case they went calling on it (for the small amount in it I shouldnt have bothered) So, had this been picked up on when I called them to close the savings account down, could they have diverted the amount saved and paid it towards the now long gone account stat barre CC account? and if they had done that would this then have reset the stat barred account? and all because of me not thinking? I should say that they did close/pay the money into the other not related account so the transaction is done and dusted....BUT...could it have gone so terribly wrong for me if they'd paid it off the original CC? as far as I'm aware they never assigned the debt to any collection agency, I did have some bottom feeding dca's trying to collect but they were simply ignored.

I have the sars printed out, got the postal order and am ok to send it (was going to send Friday but I hung back pending reading up on this particular part of the forum) In any case, I have since found a link on line on Barclays where I can apply for the sar online via their website, once requested they then send me notification and a payment request for the sar (be that by cheque/postal order) On the online form it asks for a variety of details, such as info held by Barclays/Barclaycard etc etc.. . I have Barclaycards, both of which have zero balance on them (and a available credit limit collectively of 25k) I don't want the info on them, so should I adjust the sar to simply state 'Barclays Current Account' or leave it and see what comes back. I'm thinking that once I do go at them that they'll simply limit the cards and call them in. ...not that it bothers me as I don't use them. Whether I want home delivery or delivered to a branch (the latter is my preference)... Daytime/Evening phone numbers, last know addresses for last 3 years and so on. --- Wheras the Sar from here simply gives the account number, my name/address and signature... I'm loathe to go the online route due to the extra questions, I'm stll sort of at the same address (have access to it/visit it/ am billed for varying items and I can be contacted there.. .however my telephone number has changed, I don't want to give Barclays my updated one, more so that I don't actually give it out anywhere these days (data harvesting etc) I will include a covering letter requesting that for security I would prefer the info requested be sent to the branch and for them to email me when that has been done. I have an email on file with them which is current etc. So, unless there is any extra benefit to the online sar request I'm guessing the sar template here is suffice (correctly filled in of course) Also, since lookin at my paperwork, I have found a letter from the bank authorsing the overdraft (early 2000) and where amongst other things it states You can overdraw up to your limit whevr you want but you should not be permanently overdrawn by the whole amount' which is pretty much how it's been 'permanently overdrawn' and by pretty much the full amount since that letter...18years ago. Also, reading back from some letters I've found out in 01/02 (approx 10 of) their are charges on the account for the overdraft exceeding the limit and for a few cheques that bounced. They also mention the overdraft is subject to an annual service charge of £50 (that was then) but I can't see that charge on any statement out of the 170+ that I have.

It's mindset, I went for years with it, saw the various issues on it, fought with a couple of bottom feeding DCA' re their updates/entries and when they wouldnt budge I went to the cra (experian at the time) supplied them with the relevant info to have the file adjusted and they stonwalled me for ages then came back with 'you'll have to speak to the dca as it's not our issue' in the meantime my rating was mashed My ability to raise capital or even own a CC was diminished... .none of which was actually my fault, as one shining example arc added two years onto a default.. .it was never removed. i stopped looking at it...for a fair few years tupidly went and logged back an account with experian .. .in the years away from not having one I had zero communication with alleged creditors, within a few short weeks of reapplying for my file I had two come out of the woodwork...coincidence possibly, but I doubt it. I don't want to see my credit file again ever I'll live with the consequences of that should something come and bite me in the ass. Just to clarify, the above figures (balance) as stated in my posts further up are approx, I've not given the actual o/d amount as I don't want barclays as yet being able to recongise me, the amounts paid back are correct as in minimum £100, sometimes more. Over the years the overdraft fees have changed as and when Barclays change their structuring on the account. The very first interest debit 18 years ago was for £88, it remained like that for a few years, it then changed as they switched it about to almost £130 pcm and over the years it's fluctuated between the £3per day it is at the moment to around £112 fixed amount about 5 years ago. ..I've always met the amount of interest they've charged, sometimes to the penny, sometimes by a few £s more. Essentially though, the first statement 18years ago, to the latest statement of Jan 18 the difference between the balances being approx £150 , last statement charged me £93 interest, payment made in £100, this months will be less as it's Feb and currently barclays charge to my account is £3 per day I should also add that one payment was missed in 2014 due to my being hospitalised, however, the account was enough in credit not to go overdrawn (just) by overdrawn I mean not over the overdraft limit. I'd be happy to post statements up but it would be difficult to redact without it looking almost blank.... I thought charges were for going over the limit/ making cheques that can't be cashed etc...there is none of that, it's fees charged as interest only that has ever been added. Isn't that the difference when it comes to making a claim against them Part what brought me to try and do something is that from this month I can no longer go into the branch and pay money across the counter/via a machine unless I have my bank card (some new barclays regulation) and I haven't had one of those ( termed a 'connect' card) for a decade .. .I've just used my sort code /account number but now I will have to use a card but didn't / dont want to apply for a new one as I wasnt wanting to alert them to my account in any way ...and they haven't sent me one for a decade either.

Ok, well whatever comes back I'll be sure to update this thread. I'm not doing my credit file.....never ever ever ever ever again.... noddle you say? ha! j/k nah, I'll wait for the sar.