Just a quick update to let you know that Next have agreed to remove the default from my OH credit file. Well that turned out to be a lot easier than I expected. But I guess I shouldn't get too carried away untill we've recieved actual confirmation. Thanks to everyone for your comments & help!

Thanks for your advice Bazooka. On Nationwide's system it said 'Satisfied' but the default doesn't even show up on the OH CreditExpert report. We aren't 100% sure who's placed the default against her either but again on the Nationwide system it was listed under the address that Next weren't able to send any correspondence to. Very confusing?! I must admit we've already been thinking along the legal route if we don't get any joy from Next. The OH may even contact a solicitor anyway as she thinks she can get discounted rates through her employers.

Thank you for your response silverfox. I think we will have to send off SAR to Next & potentially the DCA too, as you've suggested. Another confusing issue relating to this whole business is that on the Nationwide credit chack system the default was registered under my OH new address. The address that Next seemed incapable of sending any statements or even the default notice to!

Hi all, I hope I'm posting this in the right section but apologies in advance if I haven't. My other half & I went to Nationwide yesterday to apply for a mortgage and were declined due to a default against her from Next Directory, of which she was unaware of. Now this is where the fun begins... Back in 2008 my OH was living in rented accommodation. She moved home and tried to notify Next Directory, over the phone, of her change of address but was told she would have to put it in writing as they couldn't change it over the phone. So she wrote to them confirming her new address and thought that was that. However, after not recieving any statements for a few months she decided to write to Next re-confirming her new address and to request her most recent statement. After waiting a month and still no statement she wrote Next another letter, containing her new address (yet again), requesting her latest statement, a complaint about customer service and her wish to close the account after settling any outstanding balance. 2 to 3 weeks after sending this letter my OH recieved a letter from a debt collectors, at her new address , demanding payment of just under £80 on behalf of Next Directory. My OH replied immediately to the debt collectors enclosing full payment in good faith. She also sent a copy of this letter to Next Directory again requesting a statement to confirm that the amount claimed to be outstanding was correct and to also confirm the closing of her account. To this day she has never recieved any response from Next to her requests for statements or complaints about customer service. She has never recieved any default notice in writing or other such communication from Next either. From the time of her moving home the only communication she has recieved that was related to Next Directory in any way was from the debt collectors. Funny how they could give the debt collectors her new address but they couldn't manage to put it onto any of her requested statements, don't you think? What we'd like your thoughts on are whether she has a valid justification for getting the default removed from her records? Also, are Next at fault for not changing her address despite the OH sending them 3 seperate letters stating her new address? Your thoughts and suggestions are greatly appreciated. PS: She doesn't recall ever signing any credit agreement with Next Directory and she opened the account in the late 1990's, if that's of any significance?

Hi all, Today I received another letter from Lloyds TSB telling me "We made all the payments you arranged to come out of your account yesterday". I always find these letters very confusing because the last time I was actually directly responsible for any payments from my account was a direct debit on 21st July 2006, and that was returned un-paid with a nice £35 charge to go with it. Anyway, after checking my Lloyds account online today I found out why I had received this letter. As mentioned, I haven't used my Lloyds bank account for over a year now and had come to an arrangement with them to pay £33 per month to clear the £373.72 overdraft. Lloyds raised my overdraft limit to £377 to help me avoid any further charges and I paid £30 in straight away to get me started. This obviously dropped my balance down to £343.72 DR. Now, as I also have a Lloyds credit card which I am in the process of trying to clear, the payment that was made from my bank account was from Lloyds and not me! Lloyds had made a payment of £47 from my bank account to my credit card account and thus putting me £390.72 DR, which is over my £377 overdraft limit. As a result of this I also get charged £30 for going over my agreed overdraft limit. Then after adding £5.35 overdraft interest that now leaves me a total of £426.07 overdrawn. Having a licence to print money springs to mind! Obviously I was somewhat annoyed to say the least, so I decided to do a few quick calculations covering just the last year, and here are the results:- My Lloyds TSB bank account balance on 3rd Sep 2006 was £397.75 DR. Between then and now I have accrued a total of £300 in charges, not including interest. During the same period I have paid a total of £439.65 into the account. My Lloyds TSB bank account balance on 3rd Sep 2007 was £426.07 DR. Despite paying in £41.90 more than the original balance, my actual balance now has increased by £28.32. Don't you just love banks?!? I know I do!

Thank you all for your insights. I really do appreciate it!

Hello to you all! My query is this, I had (more on that in a minute:cool: ) a LLoyds TSB credit card with a £4,000 limit which I went into arrears on around May/June 2006. They have since, without notifying me , closed the account but of course are still demanding the money back with a minimum payment, which they must have set because I didn't, of £80 per month. Firstly, were they supposed to give me some sort of notice that they were going to close the account? I only found out that the account had been closed during a conversation with one of their customer service women and she couldn't find any note of when or why the account had been closed on her computer either. Secondly, obviously I have racked up quite a few extortionate charges during this whole process, which I intend to claim back, but I still have £3,844.59 outstanding on the non-existant account. So are they likely to get stroppy and demand that I pay up the outstanding balance or would they not be able to as the account would be in dispute, or something? :? Finally, I'm going to claim back charges for both my Lloyds TSB Current account & Credit card, so do I include both account details in one DPA letter, or do I need to make two seperate claims? Many thanks in advance for any help given!