No i was hoping to get the default removed if possible or at least give it a try. It will be removed by Dec 2014, which is another 2.5years away. To be honest its too far away for my current circumstances

Ok so my first actions so be: Request CCA from Lowell Request SAR from Capital One Then to proceed from here I can either apply for: SB (if the date of the last payment is in excess of 6years) or Reclaim the penalty charges (if a claim is successful here does the credit amount get deducted from the outstanding balance?) One last thing in the library there are two SAR request templates (one is for debt and DCA, the other the reclaim penalty charges. which should i use?) Thanks again guys, you have been most helpful

I signed up for the card in a shopping center when I was 20. At the time I was a student, they gave me a £5k overdraft (i think). To be honest I actually dont think I made one single repayment on the card at all. Although saying that I might have done now and again but I would imagine your correct in saying the default is in respect of several non-payments. Do you think I have a chance of geting the default removed if they cant provide CCA? Also this statu barred thing, does that apply from the default date or the date the last transaction on the card was (is this either by way of credit or debit)? thanks titan

when i click on the account status details on credit expert there is one red circle with an 8 in it (when i hover the mouse over it it says "this was last updated on the 28/08/2011") all previous months status codes have a green circle with a ? inside (when i hover the mouse over these it says "the lender has not been able to provide payment history for this month"). If I request capital one SAR? potentially what outcome will this have? If I request a CCA? what outcome will this have? Will either of these routes have a chance of getting the default removed from my credit file? Thanks titan

Thanks brigadier, Who should I send the CCA request to.. captial one, lowell or both?

Thanks for your reply d. I am not too sure when my last transaction was, i have no statements for the account. But I would imagine that it was well before the default date of the 15/12/2008. Should I contact them to get previous statements? who should I be dealing with, capital one or Lowell (the company that has registered the default on my credit file). Thanks, titan

Hi everyone @ CAG, first off as a new member, I would like to say thank you to everyone that takes the time and effort to keep this site going and full of such fantastic advice. I’ve spent much of the last few days reading about other peoples experiences, and have just completed confusioned myself on what action to take. So I'd be very grateful to any help or advice from here. My situation- Default on my credit file registered under LOWELL PORTFOLIO I LTD (which relates to a Capital One Credit Card) Date Account Opened - 17/06/2004 Date Defaulted - 15/12/2008 Default Balance - £5,701 I've had correspondance in the past from a variety of debt collectors regarding this but had ignored all letters etc. To the point now that i dont or very rarely receive anything. After reading through this site the i've noticed that i can either (correct me if I'm wrong here); apply to have the default removed by asking them to provide a signed copy of my original credit agreement & the original default notice? or apply to have some of the late payment and interest charges refunded? I would be very grateful for any help given Thanks to all. titan