hi all .. .this is just a quick email really but im trying to remove successfully settled payday loans from my credit report as they are stopping me from getting a mortgage. I thought it would be useful to keep you posted I found this email on the CAG forums, copied in the ICO, FCA and my local MP and sent it off.. ..now to keep my fingers crossedxx Dear Wonga.com/Experian, I have used your service a number of times over recent years, always repaying my loans on time and in full. I have never been late with a payment, or defaulted on a sum. A large part of my decision to use your service was your promise on your website at the time that you would report my good conduct to credit reference agencies, and this would improve my credit standing. I kept faith with my part of this agreement and paid all my debts to you on time. At the time, your services showed upon my credit file as “Loan”, and my full and prompt payment of account did indeed have a positive impact on my credit file. However, it seems that since then, yourselves or your agents Experian, have decided to list them separately as “payday loans”, and this has now been quoted to me by other lenders as the reason for them declining my applications, and has in fact now cost me a mortgage and the home of my dreams. As such, I feel I am being made to suffer undue hardship because of this retrospective change, especially as at no time did I breach any agreement with yourselves, and always met my promise to pay. Note that this change means that the advertising you ran at the time stating that use of your services would improve my credit rating is now incorrect. As I entered into an agreement with you on the basis of this advertising, I believe this has formed a collateral contract. I also believe that this retrospective change is a breach of the FCA’s principle of Treating Customers Fairly. There is no requirement in statute or otherwise for you to report the performance of my account to any 3rd party, this is just something you have taken the decision to do. There is no law or statute preventing you from removing this information from my credit file. I would like to request you remove all settled accounts from my credit file, as a goodwill gesture, in order to resolve my complaint. I look forward to hearing from you.

Hey allIm just about to take the fight to capital one. For charges and default removal. I would have started my own thread but i'm so inept at all this forum stuff at the moment. Im hoping that I can claim charges first and also default removal as a tasty little bonus, as I gather that if I apply to have charges refunded I also get the default removed because it no longer applies to the amount registered ( is it true that then they can't re register it as there is no governing credit agreement for the new amount). Well copies of my statements are on the way, as soon as I recieve them( and figure out how to post myself a new thread) i'll keep you updated on how it goes.PS: I'm also looking at trying to remove a T-mobile default, if anyone has any suggestions please let me know. I'm thinking miss selling or some other technicality.Best regards allChris