send them a "CONFIRMED PLONKERS" red card in response. Yes, send a SAR to Egg. It might throw up something, and with Egg you may be surprised. PPI, unlawful or excessive charges, correspondence sent to an incorrect address, consolidation loans which may be multiple agreements - lots of stuff for you to potentially dispute the account about - and that in turn will help you shake off Freds.

Hang on. Other than sounding like an advertisement for CRAs, are stating as a bald fact that ADDRESSES - as opposed to the individuals that live in them - acquire a negative credit rating?

Good old TruCall

Failed applications for credit, or for that matter successful applications you don't want to pursue, show as Table 1 searches on Equifax and stay on your file for 12 months. They appear as searches on Experian for 12 months. Then they drop off.

Hi. Yes I have. I did that on 26 August. fax and post to B'card. On 2 September I contested the penalty charges. fax andpost to b'card. On 5 September I sent complaint to FOS and advised B'card by fax and post. Today they registered the data at the CRAs just as they said they would. They deny I haven't received the CCA and also the CCA they say they enclosed (but didn't) was meant to reconstrructed. my account is 10+ years old. It will have been varied since then and I have told them to send an original copy but they say I'm talking bo88ocks and will DN me if they don;t get paid.

Hello. I have a dispute with B'card. (a) they haven't snet me a copy of my CCa (they refer to an enclosed copy in their letter which wasn't there); (b) I have unlawful charges claim against them; © I have complained to the FOS. Today Barc;ays put up a 3 missing payments alarm on my credit file - and will register a Default for sure. I have writtena nd emailed Experian but know darn well they will do nowt about it. What can I do?

There are known knowns. These are things we know that we know. There are known unknowns. That is to say, there are things that we know we don't know. But there are also unknown unknowns. There are things we don't know we don't know.

new web site looks dreadful BTW. preferred the old one.

Final Demand makes no reference to the OFT's Determination. Come to think of it, it doesn' mention the words "over draft."

That is good advice. Follow it Trish.

I believe even if you get a CCJ you can have it removed from your credit report if you pay up within 1 month of the order? If so, then it is worth while making them go through the hoops in case they back down during the process.

Indeed, Direct Collections Limited used to be called Scrooge and Marley. Changed their name when their chimp died. Or is that gimp?

Good thread. Will be interesting to see how this develops. May be involve the ICO if and when the CRA rejects your dispute complaint?

the multiple agreement argument is complicated and should keep them occupied a wee while

some eggceptional witticisms here. TDS, just crack on with whipping up a stir at Egg.