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claricestarling

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About claricestarling

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  1. I've read this over and over and over and can't see it anywhere where it says if it's solely charges then no default should be placed" My eyes have gone funny from reading it so many times! Where on earth does it actually say it??
  2. Ok thank you Is there anything in bcob that would help me get any of the charges that I actually paid back BACK? I'm not sure how much the charges were until I get the sar back.
  3. Could you see if you could possibly find it for me ? I did quote it in my dispute via Eqifax but the bank still said " applied correctly "
  4. Going from memory and my credit file it went like this ...... . January 2009 zero balance bounced direct debit = charge On my credit file : ( number is the marker) February 09 -1. March 2. april 3 may 4 June 5 July 6 Then from July 2009 until September 2010 ( bit longer than I originally thought ) they are all marked as 6 ... So even though I didn't pay for well over a year they never defaulted me then In September 2010 I finally logged in .... Charges shown as around £400 overdrawn .. .. I paid the full amount shown into the account Septem
  5. Hi - thank you I cannot find for love nor money this on the guidelines Myself .... Where abouts is it ?
  6. I originally sent a cca request July this year which has been completely ignored ( this is when I didn't know u couldn't cca for unauthorised overdraft on a basic current account) I then called complaints 2 weeks ago to a) complain I had no response and b) complain over charges. I was promised a call within 2 days from complaints but no response. I then raised a dispute with Eqifax that default was solely charges... The bank responded to them " applied correctly "
  7. I'm sending a sar today so should be able to update this once it's arrived
  8. Hi I know I'm jumping on someone else's thread but I can't find this guideline on there and I'm fighting a bank at the minute who defaulted me from solely charges. Can anyone tell me exactly where it says this on the ico guidance?
  9. Hi guys Anyone savvy when it comes to bank charges ? I was defaulted in 2011 from a current account started in 2008 . Had a bounced direct debit charge when balance was zero. Stupidly ignored it for 6 ish months and the charges grew to around £300 overdrawn from charges . I then paid into the account and got the account to zero. Then used the account.....for 3 months then they literally all of a sudden dropped £500 charges on all at once saying they were backdated charges which I couldn't understand . I did pay £100 each month into the account so it reduced i
  10. hi not sure where to post this id like some advice as to the best course of action. ive got a default from a high street bank/building society that is made up entirely of charges. ultimately id like this removed if possible but id like to know what the best way to generally get it sorted is. the basics: opened a BASIC account in 2008- used it fine until around 2009 when i had zero balance and a direct debit try to go out without realizing - the bank refused the direct debit and then charged me.. .. i stupidly refused to pay it out of ' principle' for about
  11. Hi If you request a copy of the ORIGINAL terms and conditions that you agreed to when you joined a company.... In my case BT... Are they obliged to send it to you or do you have to send it in via subject access request? I've been defaulted by bt in 2008 and I don't think at the time they had the clause in that you agree to them sharing data with credit reference agencies?
  12. The entries are all 100% from the same lender I've had a deed of assignment from one dca about one but that's all I've had The original lender has told me the other is with Mackenzie hall but I've no deed of assignment for them or any communication
  13. Thank you . So shall I just pretend i haven't send the agreement/default request in that's been ignored and just straightforward complain that the default is wrong and shouldn't have been placed at all?
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