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About cooldad

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  1. Unfortunately it's not as simple as that. I had another BG engineer round today who looked at the pipes and found that they are neither 8mm or 10mm but somewhere in between. So his solution was to get an end feed soldered 8mm to 15mm reducer and then file down my pipes so that the reducer fits. As I said previously, although I had an engineer come out to estimate the job, what they are saying now is because it's not a straight forward job, the quote they gave me before is now cancelled and they will only do the job if they re-quote, which may be well in excess of their original quote. The
  2. I don't know which part of the UK you live in Kirkby, but here in London there are a lot of cowboys around. So I thought I could rely on BG, but it seems they are part of these cowboys!
  3. 6 weeks ago I asked BG to install 4 radiators which I bought in Wickes. They said an engineer would first have to come out and assess the work and give me a quotation. A week later the engineer came out and I showed him where the existing pipework was and he said it was a quite straightforward job and the workman should carry it out in 3 hours and the cost would be £285.00. I asked him if this was an estimated figure and he said no, the price is £285.00 and that what BG stick to as he has assessed the work. The only other remark he made was that the piping was not the standard 15mm but as it's
  4. The information I can see is the present information. If I go back say, five years, that would take me back to 2008. As the default notice was issued in 2004, I would be able to see if there was anything on my credit file in 2008, 2009, 2010 etc. The question is how do I archive or see that information today, as I can only see the information they have on me currently.
  5. Brig I might be wrong, but a SAR is what it means, Subject Access Request. As such, I would have thought that this can apply to any company, be it a finance provider, your own employer or anyone that may have information on you.
  6. So the bottom line is, although I've been repaying Barclaycard for the past 10 years, as I stopped paying in March this year, they were within their rights to enter a default on CRA files. Similarly with First Direct, although I've been repaying the debt for the last 10 years, if I don't tow the line with CL Finance, they would be within their rights to enter a default on CRA files. In which case I'd better go back to continuing to pay CL Finance because although First Direct have admitted that they could not provide me with a copy of the loan agreement and therefore they can't enforce the d
  7. Sorry Renegade, we seem to have crossed wires. By the OC do you mean First Direct or Barclaycard that I gave as an example? I was paying First Direct from 2003, they issued me with a Default Notice in April 2004. Metropolitan Collections started to collect on behalf of FD in July 2004 and it was assigned to CL Finance in September 2007 to whom I have been paying ever since. At no time was the account ended/closed or terminated. Regarding Barclaycard the debt was originally with Egg and I was issued with a Default Notice in April 2004. Barclaycard took it over in 2011 and they used Mo
  8. I'm sending First Direct a SAR on Monday. The account was assigned to CL Finance on September 2007 therefore First Direct no longer own the account. If what CL says it's true that First Direct only issued a Statutory Notice but never actually placed the account into default, then it would now be up to CL to issue a new Statutory Notice of Default. If that transpires, then on what grounds can I challenge that default notice?
  9. I received a letter from CL Finance chasing me for money as I have not paid anything since you advised me. CL Finance sent me a statement of my account from Oct 2007 to April 2013. They said they could not provide me with any statements prior to Oct 2007 as it was assigned to them by HSBC Bank on 28 Sept 2007. First Direct, as I said before, have already advised me that they are unable to provide me with statements prior to Oct 2007 nor can they provide a copy of any loan agreement. So therefore they cannot enforce the outstanding debt. Now here's a word of warning!
  10. Very helpful. Thank you all, I'll wait to see what reply I get from the Data Controller of Barclays.
  11. Thank you Brig Great letter, will be going off tomorrow. However my question 1. remains. How can they have recorded a default with the CRA's without first consulting with me in order to give me time to remedy the default?
  12. I received a letter from Barclaycard today saying " After speaking with our collections team I have been informed that the Statutory Default letter you received from Egg in 2004 was not a confirmation that your account was placed in default. They confirmed that it was in fact a notice of the arrears on your account and was sent to make you aware that further action may be taken if payments were not made to bring your account out of arrears. This would include placing a default notice on your credit file. They have confirmed to me that we have placed a default notice on your credit file on 5 Ju
  13. It was removed from all CRA's in 2010. I have been with CCCS for the past 10 years because I have quite a few other creditors but they have all been removed from file except one which I hope will be removed next year when the 6 year period is up. However, in total I still owe over £20K to all my creditors. In March I decided to go it alone as I found that the CCS, who are generally very helpful by keeping the wolves at bay as long as I continued to pay the various creditors, they weren't very forthcoming by giving me advice like PPI, what to do when a creditor can't provide a credit
  14. Yes, for the past 10 years, but in my innocence I never referred or had cause to refer to CAG as I believed everything the banks told me. I'm much older and wiser now. On another issue, there seems to be some bickering going on between some members. Please let us focus on the issues to hand. I would not like to feel that I have been a cause of disagreement between members as a result of my original query.
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