CHEERS LEE,REF NO IS 8017017.REGARDSrictic

I am in the process of trying to get a default from vodafone removed from my credit file. I used to have a 12 month SIM contract but i canceled it when i believed it had run out. Apparently there was a 30 day cancellation due which i was unaware of.Therefore i had an outstanding balance to pay which i didn't know about. In the meantime we moved address ( new telephone new email etc).After this Vodafone had been sending letters to my old address to try and contact me.I became aware of the problem when i was refused credit and then looked at my credit file.Immediatly i contacted vodaphone and paid it off .I Explained the situation to Vodafone and they said that although they agree i had made an genuine mistake the default was still valid, as it reflected my credit history.The amount was for £62 - ( the SIM was actually unused for the last 10 months so it was not a case of unpaid usage on the card) a small amount to have affecting my credit file.In fact it is having i believe a disproportionate effect on my credit rating.Can anyone help please ?Rictic

In 2002 I HAD A MORTGAGE AND A LOAN WITH THE HALIFAX BOTH HAD PPI. DURING THIS PERIOD I WAS OFF WORK AND EVENTUALLY HAD A CLAIM ON MY MORTGAGE PROTECTION POLICY.AT THE TIME I WAS TOLD I COULD ONLY MAKE A CLAIM ON ONE OF THE POLICY'S AND THOUGHT NOTHING ELSE OF IT APART FROM BEING A BIT PI..ED OFF I SHRUGGED IT OFF AND WE GOT ON WITH OUR LIVES.NOW IT WOULD SEEM TO ME THAT IF I COULD NOT CLAIM ON BOTH POLICY'S THEN ONE OR BOTH OF THE POLICYS MUST HAVE BEEN MIS-SOLD TO ME ?.CORRECT THINKING OR JUST WISFUL THINKING - ANY IDEAS PLEASE ?2 THINGS - I STILL HAVE A HALIFAX CURRENT ACCOUNT - IS IT TO FAR BACK IN TIME= I HAVE NO PAPERWORK AS WE SHREDDED EVERYTHING WHEN WE MOVED HOUSE 18 MONTHS AGO.RICTIC

Sorry for delay in posting - very busy year since and all sorted now though.Case won Minster failed to turn up in court - sent letter to judge saying they were on holiday !!Judge listened to my side and asked a few awkward questions but accepted my basic defence that Minsters problem was with the driver which was not me so no case - case dismissed.2 years since first action - normal repeated actions from solicitors etc demanding moneys - phone calls - threat of baliffs etc etc and then court case and then they dont turn up!!!!!!!!!!!!!!!!!!!!!!!!!!!. [email protected]'[email protected])(*&^%%$$^$^$^$^*$^$ Moving onto PPI claims against Santander and Hailiax now - Have previously been succesful with reclaiming bank charges against Halifax £2500 - the joys of being self employed and having a "HELPFUL" bank.Keep believing people.Rictic.

YES HAVE ACTUAL COURT DATE IN SMALL CLAIMS COURT - JUDGE RECCOMENDED MEDIATION - NO RESULT WITH THAT. MORE DETAILS TO FOLLOW BUT DONT WANT TO GIVE TO MUCH INFO AWAY ON HERE. Al27 WILL REPLY TO YOUR PM THIS EVENING, THANKS FOR OFFER OF HELP. AL

Hi have long running dispute with a Private Parking company that has now come to a court date in a couple of months.Basically car was parked overnight and therefore ticket issued.Normal followed - demands for fee and now demands for fee plus costs etc. I have always denied any guilt as i was not the driver but am the registered keeper and informed the company of this. That was only correspondance i have had with the company ie ignored all other demands from company and "solictors". Now have date for court any help with defence ? please.