My mistake sorry thanks was confusing myself

Yes all my accounts are showing, however some show as upto date, some late payments and some as defaults!? With regards to claiming back charges do I just SAR them or do I specifically have to ask for a list of all transactions on the account?

Hi everyone Just after some thoughts and advice really, am new to all this!! To cut a long story short I had a wonga loan and it is now being paid via a DMP... After checking my credit file I noticed they placed a default, to which I have never received anything from them except the standard reminder emails that my payment was due... I requested a copy of said alleged DN and received this reply "Thanks for your recent correspondence about us reporting your data to the credit reference bureaux. In relation to the default filed by us, we can advise you we only record accurate and up to date data with the bureaux. We describe our commitment to this in our terms and conditions, and privacy policy. We’re under obligation to report the breakdown of such relationships to the bureaux, which is why we filed the default on your credit file. We’ve reminded you of the outstanding account by email, letter and text message on numerous occasions. We’ve set out our commitment to file defaults in our privacy policy and loan terms and conditions. To summarise, as the default has been recorded accurately and in line with our terms and conditions, we won’t be removing this from your credit file." I know I have never received anything from them in regards to a default as I have kept every email and never got a letter from them... Just after some advice/thoughts about what to reply or do next! I know I was stupid in the past but have finally got my head out the sand and only have just over a year of my DMP left to pay... I would happily offer them a settlement but refuse to do so when they're playing games. Thanks x

Just a positive story... I too had a loan from mini credit who passed it over to DRS debt recovery services... I have had the default removed and settled for 40% of the balance owed... They admitted via email that they do not issue default notices as it is all done online!!! So it can be done!! I luckily had a nice guy from DRS who helped and I know probably made some money as they probably bought the debt for peanuts but that default removed is a breath of fresh air!

My debts are Santander x2 credit cards Nationwide credit card Capital one credit card Vanquis credit card Studio catalogue Next catalogue ISME catalogue Little woods catalogue Jacamo Wonga I have defaults on the 2 santander cards, wonga and studio catalogue and next catalogue. Studio have replied saying that as it is now with wescot DCA that they hold the DN even though it was studio that issued it. Wonga have emailed saying they are under no obligation to supply me the day it was issued or a copy of the DN... Next replied as above Sanander have replied saying they are obtaining copies and will post them to me within 14 days... Just a bit thrown by them saying they don't have to supply copies tbh I thought they did!

So if 2 are with the same company eg shop direct does little woods and ISME I can just send one SAR for the two of them? I have just typed up CCA requests (wasn't up to speed with this should have been a huge hint not to deal with credit if I didn't understand it!) and will be posting them tomorrow... So can I claim back the £12 charges? Was unsure what I can do but I know if I can that at least 3 of them will be wiped and them still owe me some! Just wish I had been smart enough to read everything 3 years ago before I took everything :/

Hi everyone Just a quick question... Have any of you successfully claimed back charges from catalogues and credit cards? Long story short I am in a DMP at the moment as a result of being a complete idiot with credit a few years ago.. . The balances are reducing nicely but with the majority of them I do believe that I had heaps of charges (normally £12 a pop and sometimes more than one per statement!) and that if I could get some of these refunded I could be debt free by the summer!! Has anyone had any experience with asking for these back?! How would I go about getting a breakdown of all charges on the accounts, is that what a SAR is for?! Here's the ones I know iv had charges on Santander credit card Nationwide credit card Capital one credit card Vanquis visa credit card Studio catalogue Little woods ISME jacamo Next catalogue It's a long list of creditors :/ luckily (I guess!) the balances weren't too high! TIA

Just another quick question as you've been so helpful... One of the Creditors I contacted have emailed to say that as it is with a DCA they will hold the copy of the DN (even though it was the OC that issued it) I have since emailed the DCA who say that's as the OC (studio catalogue) issued it they should hold the DN! Am a bit confused now! Is the OC just trying to fob me off?! X

if I sent a CCA request to all my creditors I could stop paying them if they didn't hold the correct paperwork? Wouldn't that still show on my credit file as the debt but the balance wouldn't reduce every month which would have a negative effect? Even though my credit is shot to pieces anyway! I use noddle for my credit report, it goes from a number 4 to DF? I guess it's not going to be very likely to get the default removed then I know it's my own stupid fault for not being able to handle credit was just hoping to be able to tidy it up a bit.. . Bit gutted that the default for just over £100 has such a big consequence! Wish someone had explained just how bad a default was!!! Thanks for all your help so far will fire off some CCA requests as I know some of them were applied for online and so I didn't sign anything

It is with Lewis debt recovery

The DMP is a free one through stepchange formerly CCCS, I however haven't sent a CCA request to any of them? Without sounding stupid what is the purpose of this as I know I owe the money to the creditors so am happy paying what I owe...? My credit file still shows up as next PLC rather than the DCA... I can't remember the DCA name will have a look through all my paperwork and find it

It was with next online directory, when I started the DMP it was passed to a DCA with a balance of just over £100... I only had the account running about 6 months before I started the DMP... I kept all correspondence and have this letter but no DN... Sorry I'm new so don't really no what info would be useful!

Hi everyone am new to this forum so please bare with me! Long story short, I am on a DMP after not handling credit well at all and spending more than I could afford.. . I had a lightbulb moment 18 months ago and now have 18 months roughly left on it... I have checked my credit files and noticed that 4 creditors have issued defaults, 1 of which I have had removed as they did not issue default notice as it was all online based.. . I am waiting for copies of the other 3 DN but one has written back with this: 11 December 2013 Our Ref: Dear Thank you for taking the time to contact us and I'm sorry for the delay in getting back to you. I am sorry to hear you don't remember receiving a default notice, sent to you in June 2012 This must have been worrying when you obtained your credit report. I can understand why you've asked for a copy, for your records. The original Default Notice was sent to you on 14 June 2012 and we're not obliged to keep a photocopy of it, or send the document by recorded delivery. But I have attached a copy of what would have been sent, which I hope you'll find helpful. I need to let you know that even if we had not sent you a Default Notice (which we have), we would still be entitled to record arrears and defaults on your credit files. This is because the Data Protection Notice is included in our Terms and Conditions, which you accepted when you placed orders with us. "If we enter into a credit agreement with you, we will also supply details of your agreement with us to the credit reference agencies, as well ongoing details of your account and how you manage it. If you do not repay on time, or in full, we will advise the credit reference agencies who will record details of the debt. All this information will be seen by other organisations carrying out later searches." Now the thing they have sent attached nowhere states they are planning on issuing a default.. . It's a bulk standard letter saying I need to phone them to discuss arrears and that if I don't they "may pass the account to a DCA, may register a default and I won't be able to use the account". My question is is this adequate as a DN? How should I respond to them? The account was from next but currently with a DCA with a low balance I could clear in the next week but want this removed as I kept all paperwork and no they didn't send what I feel is a proper DN... Sorry about the long post, any help would be appreciated as we are looking to buy a bigger house in the next 3 years and this obviously impacts on my credit!