Thanks for the reply Jed. The thing is i do degrudge paying these robbing lot £1600 for nothing! £900 was charges they put on hold then £700 ish other charges because this was awaiting the outcome of the high court ruling. Thats alot of money for nothing!!

I must say thanks for all the help.

Bump

Nobody know?

Lots of 'guests' about again?!

Hi ive started a thread in the Abbey bank section but wasnt sure if it should be in this one? Could a mod move if appropriate please. http://www.consumeractiongroup.co.uk/forum/abbey-bank/255979-abbey-default-overdraft-charges.html[url=http://www.consumeractiongroup.co.uk/forum/abbey-bank/255979-abbey-default-overdraft-charges.html][/url]

Hello all, i was wondering if smeone could have a look and maybe give some advice on the following. I used to have an Abbey bank account but the account closed with a overdraft balance equivelent to the bank charges i was trying to reclaim. The claim was put on hold while the banks appealled and i got the standard ha ha we won letter in feburary this year. The 'debt' is currently held by Wescock so i CCA'd them to see what came back. I recieved the account application form but looking through other posts i'am a bit confused as to where i stand. The things i have noticed are there are No T&C's at all just a data protection statement. The only mention it makes to T&C's is that the "terms and conditions of the account require a minimum monthly payment of £250" which i never noticed at the time and back then i was on Job Seekers:mad: (only for 1 month after redundancy though) so maybe the account was 'mis-sold?' I have uploaded them for inspection, sorry about the quality its how i recieved them!! Abbey1.jpg picture by mestonian - Photobucket Abbey2.jpg picture by mestonian - Photobucket

Really? Thats not a bad ball park figure, to be honest just turning the tables and making them pay even £100 would be priceless!!!

The default was actually posted by Phoenix i think but when i was originally digging it went from littlewoods to credit account management then phoenix so i suppose its possible it could have been any. The date the default was applied was 31/12/2007 so im guessing it probably wouldnt have fit in the statutory time scale anyway around christmas but they never provided a copy.

Hi Donkeyb, I see what your saying but surely that would mean that as littlewoods sold the debt to Phoenix then they are satisfied and because Phoenix have removed this entry then thats the end off this little saga? But for how long? Thanks for the link ill have a close look at that case.

Youre not the only one!!

It was updated last night and has also been removed. in my personal experience of dealing with the cra's i have found only Equifax willing to do anything in a reasonable timeframe.

I just filled out an on-line dispute form with equifax and they did the leg work as well as all the usual letters from myself. I must admit it is horrible feeling looking at your credit report and seeing what i saw!

Hi all, im after some advice regarding an account that was on my credit file. The story goes i checked my credit file after been turned down for car finance and found 4 defaults!! One of these were from Phoenix on behalf of Littlewoods so i did a little digging thanks to the advise and templates given on this great site (cca'd them) and got the reply of no signed agreement.... suprise suprise! A swift account in dispute letter was sent but i also disputed this (and other accounts) with equifax who also contacted them on my behalf. Today got a message through Equifax from Phoenix saying..... "as the customer has requested a copy of the signed agreement and littlewoods are unable to provide this, this entry will be removed from the cutomers credit file in our monthly submission due to littlewoods withdrawing this account from us. We are no longer persuing this account." Good news me thinks! Just recently checked my report and its been removed default and all!! My question is this though, can littlewoods pull the account back and re submit and default again? (knowing how these companys work, probably) (oh and the whole process has taken 1.5 months approx thanks to help of other caggers):) Hope someone can advise (oh and these are truthfully not my accounts)

sorry my fault posted wrong link, try this one!! Law relating to debts: statute-barred debts