Haven't visited these parts of the www for a while, didn't need to until today. (How are all you guys and gals?) Had a phone call from these jokers this morning asking me questions for "Security purposes". Confirm name, first line of address etc, you know the drill. Needless to say I told them nothing and asked the guy who he was and what he wanted. He responded by stating his name, I think it was David Jones and he was representing robbers way. I asked what it related to and he said it was all in the letter they had sent me, I informed him I had received no such letter (true) so he stated they would write to me again. About 2 hours later the postie came with a letter from........... You guessed it, Robinson Way. Chasing me for a shopacheck debt for £100.10!! Now I haven't had any dealings with shopacheck for about 12-13 years so I already know they cannot do a thing about it even if I did recall defaulting on one of their £100 loans but I thought it may be relevant to this thread rather than start my own. Are robbers really getting that desperate that they are resorting to chasing statute barred mickey mouse debts??? They are even offering me a balance reduction! I'd love to know how they got hold of my telephone number though, I just had a read through THIS thread and couldn't stop laughing. I'm actually looking forward to their next phone call now. I might offer them the 10p which I'll send in old spanish pesetas that I still have lying around.

I thought I would come back and give you guys an update. We decided to take the matter further and contact the ombudsman. After giving them all the details they then had to wait several months for NRam to submit the information about the mortgage account. They found in favour of NRam!! I wasn't taking this lying down, I encouraged my mother to push for the matter to be taken further because what they had stated to my mother and what they told FOS where in my opinion substantially different. They reviewed the case again, looked into it a little deeper and found that NRam had given misleading information (intentionally or not) and they were ordered to pay compensation. They were also ordered to recalculate the mortgage based on the new information from the time the property was remortgaged and refund any overpayment. Result: Nearly £600 refunded. Not the biggest sum in the world but a substantial amount for a pensioner, also if they had done this to just a small percentage of people who had mortgages with them how much extra would they be raking in that people do not challenge. My mother was all but ready to quit as she felt she did not have the strength to keep fighting but it paid off. Thanks for the help and advice guys.

Ok, posting here now my original thread has been found. The other thread I started can be deleted. My mother has now had a response to her complaint, I personally don't believe that the response offers any explanation whatsoever but Nram have stated that this is their final response to the complaint. The letter she has received simply outlines her original complaint points then continues to summarise with the following: The dates and the amounts on the first two lines are irrelevant and have therefore been blanked out but they are stating that the increase has something to do with fees that they have informed my mother about. I have the letter that they state they sent on 15th August 2012 in front of me and nowhere does it mention fees that have yet to be paid. Along with the letter they have also sent a copy of the original application form my mother used to apply for the mortgage, thye only fees mentioned on this form are valuation/administration fees which were paid by credit card at the time of the application. No other fees are mentioned. They have stated that the fixed rate deal of 4.89% ended and the standard variable rate will apply to both the mortgage and the secured loan. The new rate as of 1st September 2012 was 4.54%!!! Correct me if I am wrong as I am no mathematician but wouldn't a decrease in interest rate usually mean a decrease in monthly payment amount??? They have still to explain what these "fees" are as I have been through the paperwork thoroughly and I can find no mention of any fees needing to be added to the balance, but they have stated that this will be their final response! I realise that it can be difficult to assess the situation without seeing the paperwork, I don't want to post too much publicly as its not my information to post but if there is anyone here who thinks they may be able to help I will gladly scan and PM copies of the paperwork as this is really starting to stress my mother out.

I did have a thread here previously which I started a couple of months ago, it seems to have vanished along with other peoples threads as I have been reading. If and when the thread is found can the mods please merge with this one. Thanks. Fortunately I had posted the original question elsewhere so I will post here and hopefully it will jog somebodys memory. My mother has now had a response to her complaint, I personally don't believe that the response offers any explanation whatsoever but Nram have stated that this is their final response to the complaint. The letter she has received simply outlines her original complaint points then continues to summarise with the following: The dates and the amounts on the first two lines are irrelevant and have therefore been blanked out but they are stating that the increase has something to do with fees that they have informed my mother about. I have the letter that they state they sent on 15th August 2012 in front of me and nowhere does it mention fees that have yet to be paid. Along with the letter they have also sent a copy of the original application form my mother used to apply for the mortgage, thye only fees mentioned on this form are valuation/administration fees which were paid by credit card at the time of the application. No other fees are mentioned. They have stated that the fixed rate deal of 4.89% ended and the standard variable rate will apply to both the mortgage and the secured loan. The new rate as of 1st September 2012 was 4.54%!!! Correct me if I am wrong as I am no mathematician but wouldn't a decrease in interest rate usually mean a decrease in monthly payment amount??? They have still to explain what these "fees" are as I have been through the paperwork thoroughly and I can find no mention of any fees needing to be added to the balance, but they have stated that this will be their final response! I realise that it can be difficult to assess the situation without seeing the paperwork, I don't want to post too much publicly as its not my information to post but if there is anyone here who thinks they may be able to help I will gladly scan and PM copies of the paperwork as this is really starting to stress my mother out. Sorry for the long post and I will be grateful for any help with this.

I'm not altogether sure what was said in the letter but I believe it does mention that they have miscalculated the repayments. I will contact my mother to find out. Thanks for that useful link, it explains quite a few possible scenarios. I will pass that information on.

Thanks for the reply, exactly what I have suggested to her. I just wanted to know if it was worth pursuing or if they can actually do this and get away with it.

Thanks to whoever moved to the correct section. Anyone got any advice for her? Any help would be appreciated as she is now understandably very worried about these extra payments.

Posting here as I couldn't see a subforum for northern rock. I'm asking on behalf of my mother regarding her mortgage which should be finished as of August 2013, if any further information is required it may take a while to get it so please bear with me. The mortgage was originally taken out a long time ago and the final payment was due next August, during the loan period she remortgaged and took out a secured loan. She specifically asked for the payments to be increased so that the mortgage would still only run for the same time as the original loan term. This was agreed by northern rock and she has been paying the increased payments for the last 8-10 years, (can't remember exactly). They have just decided to contact her to inform her that they originally miscalculated and the payments have to be increased by £110 per month and run for an additional 7 months after the original final payment date of August 2013! She is understandably upset about this as she retired last November and she was looking forward to owning her home outright and having the extra cash, she arranged for this mortgage to be finished at this time as is would coincide with roughly the time she would retire within a few months. I have advised her to at least complain as she would most likely have continued to work for another year or so if they had informed her of this miscalculation earlier and I believe it to be at the very least unprofessional for them to miscalculate the repayments and not realise until just before the end of the loan term. Is there anything she can do about this other than send a strongly worded complaint?

Received a reply from BOS. They stated that they have replied to me but at my previous address, (several months late I might add). They are still maintaining that the figures are correct and I didn't pay half of the agreement which I believe they are wrong about, I usually double and triple check things like this! They have however agreed as a "goodwill gesture" to remove the offending defaults from my credit files. I have just checked my equifax statutory report online and no default! A good result IMO although several months too late but I now have a clear credit report so I'm happy. Thanks for all your help guys.

Thanks once again brig for your help. Will fire off that letter tomorrow.

OK I need to rake this up again as I'm still getting nowhere with this one. The default is due to drop off my credit file in December but if I can get it removed sooner I would prefer to but no-one seems to want to reply to me! The last letter I received from FF (Bank of Scotland) was 28th December 2011 stating that they were investigating and they should be in touch within 4 weeks. 7 months on and still no contact. In the meantime i have raised a complaint with the ICO who have allocated a case reference number and stated that it is a staged process and may pass through several stages before the matter is resolved. I received this letter from them on 12th April 2012. Is it usual for these matters to take this long?? I have emailed them since the letter to ask for an update but they didn't respond to me. Do I just play the waiting game here or are there any other steps I can reasonably take to speed the process up considering the default will drop off my credit file in December anyway?

Great. I'm starting to enjoy my time on this site. I wish I had a few more of these scumbags chasing me!!

OK thanks, I'll send it tomorrow. Maybe the threat of seeking compensation will be enough to make them think about removing the default. How does this sound after the last line? "I will also seek compensation for the incorrect entries and the damage they have caused to my financial standing"

How does this look Brig, is there anything I should add or remove? Dear Robbers I write in reference to your companies continued posting of default entries on my credit files. I have written to you on numerous occasions stating that I have never dealt with you or any company you claim to represent, however you insist on continuing to post defamatory entries on my credit files. The date of birth is incorrect and therefore cannot relate to myself. This default entry is and has caused me great difficulty and embarrassment in my financial dealings; I therefore require the removal of ALL ENTRIES ON ANY CREDIT REFERENCE AGENCY FORTHWITH. Failure to comply WILL result in a complaint to the ICO, OFT and your local trading standards department without further notice to you. I expect confirmation within 7 working days of the date of this letter, if I do not receive a satisfactory response I WILL take further action. Yours sincerely, I have stated again at the top of the letter in bold 'I do not acknowledge any debt' etc and formal complaint.

This is one of the biggest problems IMO. It appears that companies can register a default with very little factual evidence but the consumer whose file had been damaged for years to come will almost certainly NOT get it removed without jumping through many many hoops. I understand that in many, possibly even the majority of cases that defaults are justified and correct but when they are not it is virtually impossible to do anything about it.

OK thanks mate, I'll have a go and post my letter up when I'm done so you can edit as needed. It'll be tomorrow now though as I'm sick of reading tonight.

Thanks, I'll have a read through that later when my headache has gone! Brig, do you think a modified version of the letter you gave me on my other thread would be ok to use with these clowns? After all it still relates to a default that should be there albeit for different reasons.

I will be doing that brig but the problem I have found with RW is they only read what they want to read. I have stated twice now in previous letters that this debt has nothing to do with my partner but each time they reply with "What have you done to return the goods" etc. WHAT ******* GOODS, I've never had anything from these clowns as far as I am aware!! They are really starting to frustrate me now as they seem adamant that they are chasing the correct person but I have even had a letter from them stating that they will not be chasing anymore because I have stated that we are not who they are looking for. I can only assume that they can offer no proof whatsoever regarding who this debt is connected to. I will scan their last letter and post it so you can decide for yourself if they seem certain or not. Does that sound like they are convinced they have the right person????

*******

I have finally had a response from experian regarding this. They have stated that RW have responded saying that the entry is correct and will remain on my partners credit file even though they cannot prove the existence of the debt. Based on this any company can place a default marker on anyones credit file and claim it is correct without having to offer anything by way of proof!!!! How the hell do we fight this when companies don't even have to prove that a debt exists or that they are even chasing the correct person for the alleged debt? I'm at a complete loss now with this one.

I have viewed the same info on another site and they also list the same directors. I guess it must be correct. I'll send letters to all three directors tomorrow and see who replies first. It's about time we started to harass these low life instead of the other way around. 4th letter off to equifax data controller. If I haven't heard anything in a week I'll be back to look at taking the matter further. Thanks for the help.

How accurate is this website for company information as it lists the directors of FF. http://companycheck.co.uk/company/01043171 If this site is accurate and up to date I will send my letter to all three directors listed.

50% of the original amount is £3982 but they have defaulted for £3259 so I had obviously paid more than 50%. You are correct they haven't got a clue. I have tried searching google for details about FF but it seems they are a little "below the radar" shall we say as there is very little information about them. They only seem to crop up on sites like this one, Speaks volumes about this company I think. I have contact details which I obtained from this site as I cannot find anything elsewhere, I've looked on equifax website but they don't have contact details for Forthright Finance, I wonder if they are trading under a different name! I will keep digging and fire off your letter on Monday assuming I get all the contact details I need, thanks for the letter it looks great, I'll keep you posted.

Both entries on my credit file, personal info removed. I haven't placed any notice on my credit file as I'm not sure how to do this. I can try this route but the problem I'm having with FF is they are just simply refusing to communicate with me. My last letter to them was a formal complaint addressed to the compliance manager. I will PM you the letter I sent rather than edit and post publicly and you can tell me if there are any points I failed to address which would result in no reply. I am starting to get a little pee'd off with FF as they appear to be a law unto themselves from what I am reading about them. EDIT: Why is the default date the same as the satisfied date also, is this usual practice???

OK, I need some help with this one now. Equifax have responded stating that the entry on my credit file is correct. I now want to know who to complain to about this as Forthright will not even respond to me and Equifax are going to keep the default on my credit file. I would be grateful if someone could point me in the right direction of where to complain (I assume ICO and/or FOS) and is there a template letter I can use? I have already responded to equifax stating that I will be making a complaint and seeking legal advice over this matter and I intend to do just that!!! I have just printed off my credit report and I noticed something strange. I have two entries from FF, one showing the original loan which started 17/05/2004 for £7964. The default/delinquent balance is showing as £0 and dated 10/08/2006. I then have another entry from FF showing a start date as 14/07/2006, start balance £2963, default/delinquent balance £3259 dated 18/12/2006 but it is marked as settled. I never took any other finance with them so I am assuming that this is related to the original finance agreement even though the agreement numbers end differently, one is 6095 the other is 095P. If they are claiming that I owed them £2963 but subsequently marked the account as settled even though they claim I defaulted then surely they should prove where the settlement payment came from. The original agreement proves that I would have paid around half of the total original balance which is all I could have been held liable for as I returned the vehicle to them but they are attempting to claim that I owed them a further 3k. Maybe one of you guys can make more sense of this.