Hi Slick. Thank you for your response. I guess i will wait another week until the 40 days have elapsed and then send the Later than 40 days letter saying that they have not fully complied with my SAR request. They have sent me statements back as far as August 2005. I have managed to dig out my statements for the rest of 2005 and all of 2002. So even if i don't get them to cough up the rest of the statements i still have 19 months worth that they don't know about. I will report back after BC respond to my next letter.

Hi everybody. I have started my claim for the refund of charges. I sent off my SAR request and recieved "some" of my past statements today. My account was opened in July 2000 but they have only sent me back statements from the last 6 years even though i used the CAG template saying i wanted all of my statements. Where do i go from here ? Secondly i have noticed that I was charged PPI on the earliest year of the statements i have recieved and im guessing that all those previous will have PPI on as well. Would my claim for the PPI to be refunded be a seperate claim or would it be included along with my late charges claims. Many thanks in advance. Raven.

I currently have a default that is over 6 years old. On checking my credit files it has dropped off of experians. However it is still on the Equifax file. I phoned up equifax and was told "If the account has not been settled it can be reapplied for a futher 6 years but will appear under the name of a collections agency for example rather than the original lender" !!! A bit of history is the default currently stands at £4,000. I am paying off £30 per month and have been for the past few years. After what the woman from equifax said to me on the phone i am now terrified that the default will go back on for another 6 years therefore destroying any chances i had of getting a mortgage. Any help with clarification here would be greatly appreciated. R.

Nope. Just went straight to an arragement to pay.

Apart from the 5 or 6 items on my credit file that are perfect i also have 2 defaults on my credit file of which one is settled. Both are due to drop off next april. I also have an agreement to pay. Now my credit score with experian is 820 !! but equifax have given me 250 marking me as very poor. How the hell can 2 credit reference agencies containing identical data have such massively different scores ? My arragement to pay has been going for 2 years without a single missed payment. I have asked for my account to be returned to normal operating status but barclaycard refuse. However the ICO state : An ‘arrangement to pay’ This involves a temporary, short-term (up to six months) arrangement where the lender agrees to accept reduced payments. So how can they refuse my request ?

Many thanks for the information slick.

I have searched the site and can not find an answer for my question. I am fully aware that a default can destroy a credit file. However my barclaycard is currently on a repayment plan. How badly is this affecting my score as i am currently looking to take out a mortgage.

Thanks for the info. I will have to look into any late payment charges i have recieved over the years. How would i go about claiming them back ? Also how detrimental is it to my credit file having an account with a repayment plan showing ? Many thanks in advance. R.

Thnx for the blunt but informative reply. Ill show this to my mortgage advisor tonight as it seems he has had me worrying for nothing.

I have 2 defaults on my credit file. One is fully paid up and one is not. 6 years from default date will be March 2011. As far as i am aware both will drop off my file even if not fully paid off next march. Ive even had this confirmed when i spoke to somebody directly at experian. However i have been told that a lender can ask for the default to be reaplied to my credit file if it has not been fully satisfied at the 6 year deadline. Is this true ?

A few years ago i was having trouble with my monthly payment on my Barclaycard and was put on a monthly payment plan which has been running fine ever since. My current balance is £2211 with a credit limit of £2500 (although i have no access to the available credit) My wife and i are trying to get a mortgage but our advisor said that having the payment plan on my credit file does not look good to lenders and i should get it reverted back to a normal account. I have spoken to Barclaycard and they have blankly refused to do this. They have said that the account will stay on the repayment plan until the balance is zero and then they will close the account. I have even told them i do not want access to the funds as the balance drops, only to have it as a normally operating account. To add to the misery i always get a person in India who has never heard of experian or equifax. Is there anything i can do or am i stuffed !!