*Sorry, another default post. I've been doing some reading about getting defaults removed but I'm a bit confused by all the info. I'm hoping someone can help me with a couple of questions: 1- I defaulted on a loan with HSBC in 2007 which was then passed on to a dca called sigma red. having checked my credit file sigma have recorded the default as a different date to HSBC. So can I get this default removed due to it being recorded incorrect? Are there any template letters I can use? 2- I have 2 defaults registered with Lowell, one with barclaycard and the other with shop direct.I'm going to try and get them removed as I never received default notices. My question is do I ask the oc's to remove them or lowell? They are on my credit file under Lowell.* Thanks

Thanks for replying. The problem is i cant find an address to write to and don't know who to address it to.

I have a loan with London Scottish which had been passed on to robinson way. I don't know if i paid ppi on this loan but i want to find out. Who do i send my SAR request to as London Scottish are in administration? Do i send it to the administrators or Robinson Way Unfortuately i don't have my original credit agreement. Many Thanks

Hi everyone, this is my first post. Basically last year I went overdrawn by a small amount on my rbs current account. Rbs then preceded to charge me £6 a day till I got my wages. This amounted to charges of just over £100. I had enough money to cover my bills but not pay the charges so I incurred further charges. Every month I have enough money in my account to cover my dd but the charge from rbs puts me over my limit so they're charging me every month because their charges are putting me over my limit. (hope that makes sense). So this is a vicious cycle every month and I can't get out of it. surely this isn't right? They're saying the charges are because I've made a transaction to put me over my limit but it isn't my transaction its theirs. What can I do about this? Can I claim the charges back? It's over £100 every month. Thanks