How weird is this checked my report today and the default has gone?? Any reason for this can it come back?

Ok I will do that thanks, I hope they dont photoshop out the crosses lol

Anyone at all please!

I recieved a letter from Black Horse stating that I must send them a signed letter stating that because the address I live at now is different I must prove to them I am who I am. I dont want to send them a signed anything I know I probably wont get a reply but if I do what should I say next? Thanks

I sent the CCA on the 16th of June recorded, still not had a reply back from them other then the one about you complained to the FO what is the problem, but they sent that before they received my letter. What should I do now?

Ok Nevermind then I will just chance a normal template letter then

Just holding off sending this untill I am sure that its a CCA I need to send and that I sent it as it is rather then add anything extra to it I got a letter from FO today saying they are taking my complaint to Black Horse and I should hear from Black Horse soon, I need to get this CCA out so Black Horse know what I am complaining about Any help please with the CCA would be great at this point so I can get it rolling Can someone post up a mock letter of what I should send please and what I should be asking for, or am I just sending the template as it is??? Thanks

Anything extra I need to add to the cca template

Thanks so much in what way should I personlize my sar so I get to the bottom of this default or should I just send it as is the sar I need to send 10 pounds don't I where cca I don't what would I use the cca for instead if the sar

Hi all thanks for the replies, I will do my best to answer them for now. As far as PPI goes I am not sure I cannot find it anywhere, I have a copy of the contract from them as well as some letters one of which stating what they want as a settlement at the time was £15,553, they sold the car for £14,100 they told me??? and then asked for £7,834 as they lent me £22k I said it was only £15k and they stated they front loaded the interest, to which I replied in a 2 month period???? Been fighting them since I must admit I did bury my head in the sand as I was getting nowhere and they had my old address for the last 3 years. I was happy kind of as my credit file was in the green untill this month it went from green to Default. I do not believe I had a default notice but a few bits of the paper work got lost in the move so I cant be 100% They have not sent me any paperwork in 3 years well they might have but I have moved. I want to send them a letter do I send a CCA or a SAR the letter above is good but it states it was a bank account it was in fact a HP Loan. Is there a letter to request all details they hold and any paperwork as well as what the hell is this default all about, can you show me the paper for this as well?? With regards to the letter which address should I put my old or new one as they may send the letter back saying they dont know me as my address is different If anyone wants to know anything else please ask, I am desperate to sort this for my futures sake.

Thank you. What does it mean when you flag up my case I contacted FO who said they are going to lodge a complaint for me I should send a letter request all documents black horse hold on me where can I find a template please

Update it has gone from being green on my experian report to being defaulted, all hopes of buying a house with my family this year is gone and so is joining the Police. I cant get any lower and it seems I cant get help on here either as no one has replied

Hey all just wanted some advice if thats ok, although I think I am stuck with this one. I decided two years ago to buy a £15k car, I was not really sure at the time and my misses said no but somehow I let the car sales man sell it to me! I know aint they good, the finance turned out to be with black horse, I should have read the documents better but he said it would be ok, Anyhow as soon as I got the car and all the documents I saw how much it was costing me, I borrowed 15K they wanted 22K back over the 5 year period, plus the monthly payments were £353 a month! I rang them and said I don't want the car I cant afford it please take it back, to which they said no, fair enough I thought I will sell it and give them the money I owe, I tried to sell it a few times but it was taking ages I asked them for a final value fee they said I owe them £15,553 now with interest, yes thats 2 months interest!! £553!! so 2 months went by and I could not sell so I told them to take it back which they did and sold at auction for £14,100 I thought fair enough I would have to pay the difference, but I got a letter from them stating I now owe £7335 and if I don't pay they would take me to court, of course I did not have that kind of money nor did I think it was fair that they said they had added the interest for the 5 years even though I do not have the finance with them anymore. I know I was stupid and I would never get into anything like that again, I dont want it to affect my Police role nor do I think its fair they ask this much of me! Allied international I believe they are called are chasing me on and off for a year or so now, but for some reason this HP on my Experian report is showing green each month like I am paying it off, I think they said it has something to do with using the money they sold the car for and applying it to the loan. Any ideas on what I can do if anything, Black Horse said they wont talk to me now I must talk to AI he said he wants 4 grand in a settlement, if only they did what they said they were going to do and stand by the offer of the £15,553 I would only owe the difference between 14,100 and that which I would pay off. If you need any more information let me know. Thanks

I had BG at my old address that I moved out of May 2009, I paid my final gas bill and thought that was the end of it, but December I checked my file with creditexpert like I always do each week and saw that it had a 6 month arrears from BG. I rang them up and they said that I had skipped out without paying, I said but if you look I rang and paid the final bill, but it seemed they kept on charging me untill July even though I told them I was moving, no matter what I do they won't change it even though I proved I did not live there at that time, they said because I did not provide a meter reading which I did! they had to guess how much I owed, so I guess I am paying for someone else then! They knew I did not live there as when I moved I tried setting up with Eon at my new place and the Electric was stalled for 5 months as I was unsure who I was with as the landlady was not clear, it turned out it was BG who I did not want to be with, so they send me a 5 month bill which was high and I said I will have to pay this off over several months. They were not happy with this and proceeded to add 2 months arrears on my account, so now I have a 6 month arrear from my old address and a 2 month arrear from my new address which has ruined my credit file some what. I have pretty much cleared the bill for my new place and I am thankful I am with eon who do not post on my credit file. I tried to pay the bill for the old address to get it off my credit file, which even if I pay will still there with a 6 month arrears looking at me which anyone can see. But get this when I tried to pay they said no sorry we won't take your money we sold it on to a debt collectors I said I don't deal with debt collectors and this is your error as I paid the final bill let me pay you! They said no and I have no idea who the debt collector is as they could not tell me. What now!

Hi there. Right here is the information you require. 1. Yes they charged me £1800 in total including interest. I left the account at £0 when I moved and no longer recieved statements as I had moved. 2. I signed up for computeach in 2007 but shortly after the dust had settled I noticed that it was a con and told them I wanted to cancel and that I did not want to take part in the course. At this point all they sent me was nothing! They argued for ages and said ok. I was not aware that they took the money from Barclays and yes stupidly after signing the Barclays loan stuff some months back. I should have thought that Computeach might lie and I should check with Barclays that it had been done. But I was annoyed with Barclays at the time and did not want anything to do with them. 3. 2 years later I found out from checking my credit file that all of a sudden Barlcays had appeared on my account and it was not there last month as I check my file a lot on credit expert. It said 1 month in arrears and a balance £106 then it said 2 months 3 months and now 4 months all in the space of a month. I rang t hem up asking what the hell they said my repayments had started for the CDL a few months ago and they keep trying to take the money out of my a/c and because there was no money each money they were charging me £8 per month to my account. I tried to explain to them but they said we want our money back we don't care if computeach did not give you anything in return. I can understand as its not there problem they just want the money back. I called Computeach and said what the hell and they said they have no record of me asking to cancel they dont record calls, I knew I should have wrote a letter this was in the day when I was stupid with such things. So I said can I do the course then as I might as well if I cant get a refund as I paid £1800 for a MCDST course and it does not cost £1800 more like £200 in total including books. They said no sorry time is up but I can pay again! 4. I did not include a budget planner just the letter. I am going to resend the new letter tomorrow can you show me what I need to include as well then please? My account is close to a default I want to avoid this should I pay Barclays the £106 then. Even thought im on a tight budget and my baby is due next month!

Barclays have charged me £1800 over 6 years in charges and I sent them a letter stating that I want it back. The account is still open but I have not used it in 2 years. I left it open because I thought I would not be able to claim if it was closed. When I stopped using the account the balance was 0 but now its minus £106 due to them applying charges after charges. I was unaware as I had moved and I did not move the Barclays account to my new address. I noticed on my credit file last month that it says 4 months in arrears all of sudden from nowhere!! I have sent them the letter like I said asking for my charges back under hardship. As I am very in debt and having problems with my bills and what not. The first letter I sent they said they did not know my account even though I put the account number, I think maybe because I put my new address at the top of the letter?? I am not sure but I am sending it back tomorrow stating the account number again and the address that it was with. What should I do about the £106 When I asked them they said I have a carrear development loan with them from 2007 when I took the Computeach course. I said I canceld it with Computeach as I felt they conned me out of £1800 for 2 books that were worth about £40, they did not even send me all of the books that I needed. Anyhow so Barclays want the £1800 and I got nothing for it and they said they kept charging me £8 everytime there standing order bounced. What should I do now? I am not avoiding it I just found out and was wondering what my next move as I want to avoid a default for £106 but I feel its wrong that I would have to pay them that back. But once they receive the letter from me saying I want my charges back they may default me in spite. Help!!!

Hi there I am new so please be gentle I bank with HSBC have done for 2 1/2 years now. It started out ok had a good card money went in and out no problems, they were very nice to me on the phone. I guess it was my downfall really the fact they would give me whatever I want with no questions, I got a £5k loan from them, I also got another bank account with a £1k overdraft and they added another £1k to my main account, I ended up losing my job and being stuck in my overdraft, after months of problems I found a new job got back on my feet. They were going mad that I was in my overdraft too much and that I was 1 or 2 months late on my loan. I asked for help they say do a managed loan and put the overdraft in with my loan and pay it off that way, they asked how much I earnt and said instead of payments being £121 it was now £221 it felt like this was not so good but he told me it would be fine and if I had to I could change it to a lower amount. So I took the loan a few months down the line it was too much I missed 1 payment then I missed two, I asked for help and said can you extend my loan or lower my payments please, because I am now paying the loan and I wont miss anymore payments now. They would not help and keep ringing me all the time and if they see any spare money in my account they take it and put it into my loan, it doesnt matter if its rent or food money they take it off me without warning. I noticed on my credit file that they applied one month arrears on my current accounts, I went into the branch and asked why the manager said he had no idea why as my account was fine and that I should complain to HSBC who will look into it for me. I am having a bad year with money it seems. I have a new daughter coming next month and I want to sort all this out. I have a Barclays problem as well, which I will post in the Barclays part as this is HSBC. What should I do with HSBC?? Thanks