So I'm a bit confused they are bound by the cca regs and in the sar I sent them there is no mention of a default notice even in there internal records and I was led to believe this is a requirement as such they didn't follow the cca regs

see if this works [ATTACH=CONFIG]45326[/ATTACH][ATTACH=CONFIG]45327[/ATTACH]

there big pictures but when i attach them it shrinks them

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so these are the only documents the original creditor sent through under the sar to bcw they sent a lot of bcw in house stuff but that was all correspondence to and from myself so i dont know if its me but either they did not comply with the sar and send everything or nothing is recorded against my account also i am sure when i read bits of the cca if your on weekly payments after 4 weeks they have to send you an arrears notice again i dont see anything recorded is it all a quirk of how provident do things or do i have a case to get the default removed and then when they re issue it ill pay and lose it for good [ATTACH=CONFIG]45304[/ATTACH][ATTACH=CONFIG]45303[/ATTACH]

i have an account printout from provident there is no mention of a default in there paperwork at all every entry just says agent collection i thought they had to provide me a signed copy of the original default notice and this should have been supplied with the sar i can scan the document provident supplied if you like

ok so i sent a sar recieved the paperwork back no intention to file default notice and no defaulty notice at all can i now ask for removal and if so whats the best template to use ian

so bit of an update still no joy from british gas now they are saying no default notice is needed and time delay does not matter and that as i was on paperless billing i should have checked my emails more thoroughly i had a sar and checked no mention of emails or acting as a data controller also went back to my old email and checked no emails recieved about arrears etc so where we are now is ive sent a letter to bg again stating no emails recieved and no notice of bg becoming a data controller and now ill see where that gets me

totally agree we were just playing post tennis i would say ill pay when i get confirmation on headed notepaper that you will remove the default and they would sent confirmation that they recieved my offer and to pay in 7 days no mention of default removal 5 letters the same and no change so i sent the cca and now im sending the sar in the hope there is some leverage there

yeah its going off tomorrow its through bcw now i did a cca and they sent me that so now the sar is my last hope for removing the default as its screwing my credit and will do until 2015 you would think seeing its for a relatively small amount that they would negotiate but all attempts at negotiating a default removal have failed so far

hi guys im trying to resolve a provident issue heres the chronology 2009 took out the loan with my ex (only my name one the book) 2009 left the ex she stayed in the house so took over payment 2010 joined credit expert and check my file (no provident information at all) 2010 - 2012 checked regularly cra's no default from provident no information at all October 2012 suddenly a provident default with full account history appears on my file now my question is are they allowed to not show details of my account until its way too late to stop the default ie if I had seen late payments id have contacted them way before default as it is now even though I said id pay in full they will not agree that they should have updated my credit file and remove the default also I didn't get a default notice although I understand this sint applicable if I had moved any help ?

i have this also says there is an outstanding balance and that all payments are up to date and the account is not in default yet i moved from this address over 8 years ago debt is definately statute barred so why is it on there is this a new way of virgin highlighting old debts to fellow creditors in a sneaky way

so i thoroughly checked my info and although the default was added january 2010 it did not appear on my cra file until 3 years later also my first missed payment was april and the default applied the following january there is no signed agreement and no default notice shown as sent do we think this is enough to have it removed

hello all so my story is i left a previous address back in 2009 (well was thrown out by my ex wife) i sent a letter to all the utilities saying i had left and my forwarding address now a few months back a default popped up on the cra's for british gas for over £1000 from 2010 so i rang british gas and settled the debt as i didnt want it on my file i asked british gas to remove the default as they had not sent any bills or default notice to my new address they said someone would contact me later they contacted me through there indian call centre and said no obviously i wasnt happy so i sent a sar and i have now got it back and surprise surprise no letter from me with new address and no default notice and some other spurious accusations my questions are do they have to issue a default notice also can they discuss my account with my ex if her name isnt on it and why did it take over 2 years for a default from 2010 to appear on my credit file also if I didn't pay my monthly dd in march is it right for them to take 10 months more for the default date i am looking for some way to have this removed as i genuinely had no clue it was in default as i recieved no information about outsanding money any help or advice is appreciated I have had the sar back but im not sure what I am looking for and what I can use