Hi, Do you happen to know whether a claimant would have to provide a copy of their 2nd charge either with their claim or at the hearing? If they don't could the judge dismiss the case?

I hope all those greedy banks get shafted big time, question is when will they pay out and will there be some sort of sealing limit on payouts? Hope not

Can you still send a CCA's off to credit card Companies (all cards taken out between 1990-2000 ) if you have been under a Debt Management Programme for about 6 months?

PN Sorry its a bit late but only just read the thread...very well done !! By the way does the Amex entry on your credit file still exist or did they remove it? Assuming the entry still exists, apart from the removal of the default did they also reset the late payment history to 00000's Just interested to know?

Not long before those greedy banks get hit big time, can't wait! I reckon it will be like giving the UK a tax cut, will boost the retail sales figs for sure! My Missus is already to start spending lol!

is there a template letter to write to "Data Protection Manager" and also do you have to send them a cheque for info, if so how much is the fee? Thanks

Could someone just paste the exact letter that you should send to a utility Company to ask them to remove a default? Thanks

I am disputing a default on my credit file which I partially settled with a DCA last year, I asked Equifax to contact them as I disputed the default as I don't remember ever receiving it and also I asked them to confirm the DCA actually have a deed of assignment from the original lender, its an old goldfish card which has since been taken over by Barclays but I'm sure it was taken over by the DCA before that take over took place. Appreciate any comments/guidance as to how I should reply, do I have a case to get this default removed? Response (Administrator)14/10/2009 04.21 PM This debt has been admitted via settlement being paid on 4 November 2008. As the debt is admitted it must remain recorded as a satisfied defaulted account with a balance of £2,245.56 which has not been paid. This reflects an accurate history of the financial behaviour of the account holder and we are obliged to record factual data in this way as it has occurred. As such we are unable to amend our entry accordingly.

Sorry to hi-jack the thread but as there are some very knowledgable people on here I would appreciate very much some help. I am disputing a default on my credit file which I partially settled with a DCA last year, I asked Equifax to contact them as I disputed the default as I don't remember ever receiving it and also I asked them to confirm the DCA actually have a deed of assignment from the original lender, its an old goldfish card which has since been taken over by Barclays but I'm sure it was taken over by the DCA before that take over took place. Appreciate any comments/guidance as to how I should reply, do I have a case to get this default removed? Response (Administrator)14/10/2009 04.21 PM This debt has been admitted via settlement being paid on 4 November 2008. As the debt is admitted it must remain recorded as a satisfied defaulted account with a balance of £2,245.56 which has not been paid. This reflects an accurate history of the financial behaviour of the account holder and we are obliged to record factual data in this way as it has occurred. As such we are unable to amend our entry accordingly.

Question please for the experts on here? Can you CCA a credit company where the person is living in the EU and the statements have that address on them and that is the address the statements are sent to by MBNA etc The accounts are old going back into the 1980's/early 1990's and opened whilst living in the UK then, so I guess its highly unlikely they would have the original agreements, therefore likely to be unenforceable? but how would one start the process off? Appreciate any info/guidance on this senario?

pm me if anyone has any useful info too.

Yes also can a status payment history be changed at Swift, I have a few late payments still showing on a closed account from a year ago and I want them changed to show 0000's as I wasn't late with any payments but only recently noticed it on my file. I undestand they could always get out of it by saying they have to keep and record accurate data to the CFA's and in their view the data is accurate. So any ex emplyess know if its possible for Swift to reset this data on my file? Who is the Data controller and have they done this before, they are the legal owners of the data so they can change it if they want. Maybe an offer of an "admin fee" might make a difference?

Thanks, that sound good because Barclays have taken over a big pile of brown stuff from Goldfish and its quite likely that Barclays won't be able to reply with any data or original CCA/ deed of assignments etc. It sounds like Barclays are in a right mess over old goldfish stuff hint hint;) I say that as I recently had success having one old goldfish credit card data removed from my credit file and this was done by asking Equifax to invistigate and they contacted Barclays who later confirmed that the data would be removed from my file as they couldn't provide any evidence to Equifax! So its possible the same thing could happen but would Barclays be able to remove the 1st Crud entry & default or only 1st Crud? Surely if Barclays do not provide any evidence to Equifax etc than there couldn't have been a original agreement to assign to 1st Crud and therefore 1st Crud must remove the unlawful data? Any further guidance would be appreciated.

Status payment history recorded on your credit files, can you challenge a creditor to change late payment history to be reset to "0" s particularly if you are looking to make a full&final settlement offer. I understand the legal owners of this data is the creditor recording the data, therefore I assume they can do as they so wish with the data? Also I settled an old mortgage account some years ago and I want to have some late payment status history reset to "0" 's Can I demand they prove I was late with those payments during the last 4 months of the mortgage? I don't recall being late ever and only recently noticed them still on my credit file. Assuming the 6 year rule this means they won't drop off for another 3yrs or so! Can the mortgage company say that they can't remove them or alter them as they reflect the true situation at the time and they must be seen to report in responsible and accurate manner? What are my options here, can I CCA them or SAR them to find out if they have proof of any late payment during that time? Appreciate any imput/advice

I'll sign it but of course using Sign Guard in case the buggers try to lift my signature;)

Henry VIII would have dealt with 1st Cretins accordingly!

slick244> If you check Equifax's web site it states that the date is when the debt is settled,written off or default notice issued, whichever was the earliest. That's my understanding of it.

Good luck Robbie! Best keep a low profile until next March I wouldn't answer any letters/phone calls etc from any of these creditors, if any are left chasing. Also its highly unlikely the original CCA's are enforceable anyway!

My Equifax file is showing an entry from 1st Credit Ltd. It's an old Goldfish Credit card, I made an offer to settle last year and it was accepted, however, a default is showing for the month of August 08 and a "S" for the following month as settled. Status shows Settled Current Balance shows 0 Default/Delinquent Balance shows £2655 Date Satisfied 29/10/2008 How can I get this removed? Can I CCA 1st Credit Ltd or is that not valid as the account has now been settled? Can I request a copy of the assignment of the debt from Goldfish to 1st Credit Ltd, I assume I have to deal with 1st Credit Ltd as they are showing on the credit file, therefore they are the legal owners of the data? Can I simply ask them to send me confirmation that the account is satisfied and no money is owed so maybe I can contact Equifax and ask them to remove the default or can it only be removed by 1st Credit Ltd? Not sure which is the best way to proceed and what my chances are of having the default removed? Appreciate any guidance from the well informed and if there is a standard template letter/s to send in this instance?

They are all a bunch of to$$ers anyway!

Bring on the new Civil law reform bill 6 yrs to 3yrs lovely jumbly, lets hope that 99% of all DCA sc$mbags go to the wall and good riddens to them to lol!

debt4get Do you mean they DCA's are all a bunch of complete W$$KERS?

katpuss> Interesting but what did you say to Experian in order for them to merit contacting the DCA?

Really, is that legal? I thought full & final settlement means just that!

Sorry I meant the it was a full and final settlement at £600 of the original sum of £1000. Obviously at the time it would have made sense to incorporate a deal to remove the default but that didn't happen. Is there anything I can do, also I cannot even remember receiving the actual default notice, just settling the debt for a reduced sum which I thought was reasonable but I now want to try and get this default removed? Anyone managed to achieve this or any experts out there that could advise on what to do next, letters etc?