Ok thanks I will do this then post back.

No it does not. It states that balance 'a' is the mortgage debt. Balance 'b' is other charges. I will scan in an example if you want to look at it?

Not on benefits no. The account is defaulted but with halifox. I had heard of . People reclaiming charges. Bcobs complaint is the only avenue then I will leave it. I do not want to acknowledge it for SB purposes.

I have an overdrAft with halifox which is in arrears. Previously I sent a sar request and received a quite comprehensive sar. It contained the previous 3 years statements, and screen info of the previous 3 years transactions. These seem to be the statements in 'raw' form. I have crawled through the statements and found all the charges applied over the years. Unauthorised overdraft charges I think. The account shows on my credit file as defaulted with arrears greater than the closing balance. I have previously received letters from moorcroft about this account. Now I receive only a yearly statement from halifox. Can I reclaim the charges back to reduce the balance? Thanks for looking and please help. I will never be able to pay this as it is. It's for over £3000 now.

Hello. I have received my SAR from halifax . They have sent my yearly statements from a mortgage I had with them. An explanation accompanied the statements, stating that the loan was split up as loan 'a' , the mortgage, loan 'b' any services or ppi and loan 'c' which has something to do with MIRAS which I think is a tax thing. My statement shows balances under loan 'b' each year. Is this ppi rolled into the mortgage? Has anyone any experience of this? Thanks.

I have received 600 £ from vfs (Volkswagen) this month for not providing me with statements. I closed the account in July.

I have been thinking about this lately. I am in the same position as your friend. I won't pay as there is no point as my credit rating is trashed. But do the debts really disappear? Why would the companies not take me to court? Why are they not chasing me now? I fear that they will take me to court in year 5 of the default. Or do they not for some reason? This hangs over me a bit and I worry (in my weaker moments).

How did you improve your score exactly?

The account was in dispute. A valid cca agreement was not produced. If anything should a default not have been placed? I think they did not place a default as the account was / is in dispute. So they are marking my file late instead. Why only 3 months late continually I wonder? Is this what they do ?

I have not heard any further about this for a while. I recently checked my credit report and it is being recorded as 3 months late payment (3) continuously for over 2 years. No default has been placed on my file. Just these late payment arrears marks. Is there anything I can do about this? If not I am prepared to accept my fate. But if there was no cca , or default placed, then what they are doing now seems unfair. I would appreciate your opinions!

yeah. I have defaults on my file from debts i couldnt & didn't pay, due to circumstances at the time. Now I havea defaukt for one I have paid every month. I will continue to pay it to attempt to repair my credit.Just seems pointless for them. Moan over.

Yeah I hear you Brig. It wont achieve anything for them though. While i have a default for 6 years.The only way to win is not to play at all.

there was no situation to remedy. I pay my credit card each month by electronic payment each month. the payments must have been marginally late, or took too long to process. Then one day I recieve a default. Its not as if i stoipped paying it altogether. The credit card is years old from when i could actually get credit. I try my best to keep it as it is the only way to repair my credit record.

hello .Thank you for the replies. I have not checked my Credit file, as it doesnt like my prepaid visa card. I will apply via the postal order route. I recieved the default notice letter, but no warning letter.

Hello all, I have been attempting paying down a credit card I have had for years and not managed to pay down. I have started to pay much more than the minimum payment in an attempt to get rid of it. I have been paying the monthly bill via electronic bank payment each month. Bank of ireland have recently issued me with a default for late payments. I have a lot of defaults from 2009 , having hid from debts, but none since then. I am also annoyed as i have been paying this more than min payment every month. If my payments were late, there is no evidence of this. If they were late it could not have been by much. I think it must have been a processing delay. I feel they have penalised me harshly. I have written to them to ask them to remove it without success. Can I get a default for this? anyideas to get it removed? thanks.

Congratulations. Most likely small potatoes for the banks (in terms of sums), but massive psychological and emotional relief for your family. Have a happy life.

I obviously had threatened court action against the landlord as i felt i had been treated unfairly. I had lots of evidence showing the house in very good condition when i left it, so i went to the court and obtained the form. I filled it in, attached the evidence and paid the court fee. I was prepared to stand in front of a judge and present my case. I was not 'chancing' it as you say. If the judge had decided I had to lose my deposit then I would have accepted that, but I was not prepared to accept it from the letting agent. So it was easy. One thing. the letting agent told me that i could not directly take the landlord to court. this was a lie. I just posted to tell people that you can do it. fight back if you feel you have a case. good luck.

This site has supported me in the past. I just wanted to share my story. I had been renting a house for 3 years when I had come home from work to discover I had 28 days notice to leave, from the letting agent. {Contract had not been renewed, so reverted to periodic contract, I lived in Northern Ireland}. After a quick move to a new place, I had not recieved my deposit back,although the place was left in very good condition. i.e. carpets cleaned, oven professionally cleaned, several carpets replaced and rooms redecorated. above the standard which we recieved the house. I was in dispute with several very cheeky admin staff people, who eventually stated that I was not getting my deposit back. I had sent several Letters threatening court, without success. The LA eventually ignored my letters and 5 months after I had left I decided enough was enough. I applied to my local small claims court and took the landlord not the letting agent, directly to court. Deposit protection schemes were only recently made law in Northern Ireland. At this point I was prepared to go to court and lose all the deposit. I was angry and just wanted to inflict the same pain that i had felt back to the landlord. Once interest and the court fee was added,the total sum I was claiming was substantially increased above the deposit. Suddenly they were very keen to talk to me. I eventually agreed to drop the claim if all the deposit was returned to me. This happened very quickly. The cost of the letting agents hiring a solicitor to attend the court would have outweighed the cost of paying me i guess. I actually was more interested in the satisafction of winning than the money at this stage. Eventually they had to eat humble pie and pay me what i beleived was mine. Just a small post to let you know that just because people in {cheap}suits tell you you wont win, and its pointless. You can if you believe you are right and can look a judge in the eye and believe it. sorry for bad english, not my first language. dont let them get you down.

thank you very much. i will proceed.

thank you for the advice. "Its STILL worth CCA'ing the DCA for the overdraft facility letter tho." is there a specific overdarught template?

Thanks but i think its around 3 years, and im in northern ireland. lo! the lombard DCa has just arrived ! its with AIC. never heard of them. it seems very non threatening?/ Moorcroft sent me another letter. asking for money again prior to litigation for said overdraught. funny they are going straight for this litigation route. when others havent. the i havent cca'd for this debt . anyway the moorcroft letter was typed in COmic sans! written by a human it seems. Comic sans lol.

Excellent thanks. Ill send a Prove it today. Much apprecitaed as always!

update. recieved a letter from LOmbard, which states that they have not been able to extract mo ney from me, and have passed it on to wescott. in other news i have a letter from 'moorcroft debt recovery' with notice of intended litigation from an old overdraft which i had completely forgotten about. I have not had any letter from them previous to this. THey have another account of mine, which they must have got my adress from and decided to resurrect this from. will i sar moorcroft or cca now? is this a minor victory over lombard?/

update! recieved another threat of court/bull**** letter from a solicitor called greene and co. agents of RBS apparentley. they always seem to say, contact the original company i.e lombard (RBS). i will be doing the same with this letter as the others... nothing! peace and love.

sorry boo i only have a wee netbook. no scanner. im convinced that lombard, triton credit, apex and the solicitors who i forget are the same company. scumbags.