yep - read the FAQ for the low down on how to do everything, just ammend the templates to suit your info. start a new thread in the egg section and use it to track your progress and get help etc if they dont play ball

deal of your life....nice! i was told if i did pay up they would make my life hell...Mr Campbell said he would call me every day untill i paid up - he siad they always crack lol...needless to say he calls everyday i sometimes answer just to wind him up and give him all the answers from this site - he hangs up, even called me a w*nker once!

Thanks Martin - not sure why that didnt come to mind straight away!!?

am i correct in thinking that they cant place a default on me as my debt is in dispute and they are in default by not complying iwth the original CCA in excess of 12+30 days ago? nearer 3 months actually! also i will be complaining to Trading Standards, who else? and the Law socity for sending letters out from solicitors that dont exist!

they will post it if they dont have it then the debt is unenforcable - you should still pay it if you owe it but no paper work means they cant collect it i think. unless this works different with utility bills (shouldnt as its now moorcrofts debt)

so DSAR to Universa - then claim, then remove default via Univera not DCA as they havent actually defualted me RBS Universa have my issue is the defualt cant be marked as settled as 1st Credit wont pass on the details to Universa - it woudl be nice to have it marked as settled whilst i claim - and tbh i think claim would only be £100! so my not even bother i know if i CCA 1st credit it will do little good - i wont be claiming off them i just wnat them to tell Universa so the file can be updated

great stuff Elsinore...now there must be a template around here somewhere...

the same happened with Halifax in my case - charges spiraled - DCA got involved, am i right in thinking that we can apply for trh charges back from Halifax as i assume now the debt is zero to them or else i would owe double, ie DCA and Halifax? If this is the case does the original creditor have to post me a cheque or do tehy ammend the DCA total (i guess thay cant) hope that makes sense, its getting late lol

Still no aknowledgement - time is up on the 1st of October - should i send them a reminder?

Well still no info - roll on the 1st of October i say - is it worth me sending them a small reminder?

Right i sent First Credit this letter to inform Universa that my ballance is paid - they have not responded - what can i do now? I wrote this: Date: 22 August 2006 Dear Sir or Madam: Account Reference – XXXXXXXXXXXX I am writing after settling my account with you for the sum of £315.74 on the 21st November 2005 for an alleged debt with RBS. I contacted you some time ago to request that RBS were informed this account was brought up-to-date, so my credit file could be amended accordingly with Experian, Equifax and CallCredit. Several months later my file has still not been updated so I contacted RBS, who state they have not heard from you and will not alter the Defaulted balance without proof from 1st Credit that the debt has been settled. Could you please confirm this to RBS immediately to resolve this matter, and inform me by return that this issue has been dealt with so my RBS file can finally be updated. I would request that this information is provided to me within the next 14 days. Yours Faithfully Mr. XXX

Well Makenzie cashed my cheque ages ago - 12 days was up on the 3ed of Sept...rolll on the 3ed of October when i can report them - having said that there is a deafult been added to my account by a Hillesmen Securities today? The figures are the same but i have never heard of them or had anything off them! think i will have to write to the CRA and see who they are!

well 3G cahsed my cheque ages ago - the 12days passed on 3ed of Spet so roll on the 3ed of October when i can report them form non compliance and hopefully get my default removed! i havent even had an aknowledgement off them!

:? Hello – ok this is a long one and I’m now going to issue the following letters to Black Horse and Carland – any comments would be good as I’m posting them 5pm tomorrow!!! BLACK HORSE: 1. D.S.A.R As per standard template 2. Letter of complain about their lack of response to my request to remove my data from the HPI register Dear Sir or Madam: Account number – XXX Vehicle Registration – XXX Dear Sir or Madame, I am writing in relation to my recent letter (dated 16.08.2006 – see attached copy). I am very disappointed that you have not responded or acknowledged my complaint. I hereby grant you an additional 7 days from receipt of this letter to resolve this matter by removing your interest from the vehicle in question, erasing any information regarding an outstanding balance from the HPI register, Should I not hear from you this will be my last correspondence before action on the matter. Failure to act will result in a complaint to the Financial & Leasing Association for misuse of the HPI register and the Office of Fair Trading for breach of your consumer credit license. I have also been in communication with Trading Standards over this matter and they have taken a particular interest in my case, they are confident that you are abusing the use of the HPI register by providing them with personal loan details for a car that was not supplied under a Hire Purchase agreement. I shall look forward to your response. Yours Faithfully 3. Letter of complaint about mis-sold PPI Dear Sir or Madam: Account number – XXXX Vehicle Registration – XXXX COMPLAINT Dear Sir or Madam, I took out the above loan for £9,116.00 for a car on the 09/02/2005. Owing to a different matter regarding a product I paid for and never received, I requested a copy of all correspondence held by the Dealership (CarLand of Cannock). In order to have a full view of what information they held I issued a Data Subject Access Request to gain copies of all data held. Amongst the information I received, there were copies of payment protection insurance terms and conditions. As I never requested Payment Protection for either of the loans taken out that day I re-read all the small print in my contract with Black Horse and have noticed it is indeed in the contract that I signed up for Payment Protection Insurance. I never requested this insurance and was most defiantly not offered it as an option or notified it would be added. As I never required this and CarLand seem have taken it upon themselves to include it without my permission, I would request that the policy is cancelled with immediate affect. I have been advised that I should be able to cancel the PPI contract at any time and receive a partial refund of the premium that I have paid - I would like to do this. Additionally in view of the way I was mis-sold the insurance, I would like to ask for a full refund of the whole premium. I would appreciate a reply to this letter within fourteen days. If you reject this complaint, I would be grateful if you could explain whether you provide an internal appeals process. If you do not, please supply me with a final response letter, so that I can take up the matter with the Financial Ombudsman Service. Yours faithfully, CARLAND: 1: Letter of Compliant about mis-sold and never applied Paint Protection Date: 22.09.2006 Dear Sir or Madam: Vehicle Registration – XXXX COMPLAINT Dear Sir or Madam, Thank you for your recent compliance with my Data Subject Access Request. Amongst the information I received, there were copies of the terms and conditions. Upon carefully reading them again I have noticed that I have been charged £100 for Sureguard Paint Protection – I was assured that this was ‘in with the deal’ by the salesman dealing with me – however it appears the deal was I pay for it even thought I never received it! I did not and do not want this and was re-assured on numerous occasions that I didn’t need to worry about it as it was in with the deal . As I never required this and CarLand seem have taken it upon themselves to include it as standard, I would request that the total of £100 is refunded immediately. I also request that you return the interest I am currently paying for the duration of the agreement as a result of this which is £24.55 calculated at a typical 9%apr I would appreciate a reply to this letter within fourteen days. If you reject this complaint, and do not refund me accordingly, I would be grateful if you could explain whether you provide an internal appeals process. If you do not, please supply me with a final response letter, so that I can take up the matter with the Financial Ombudsman Service, Trading Standards and finally make a claim via the small Claims Court for total owing for a mis-sold and un-received product. I look forward to your response. Yours faithfully, 2: Letter of Compliant about altered agreement to include additional warranty! Date: 22.09.2006 Dear Sir or Madam: Vehicle Registration – XXX COMPLAINT Dear Sir or Madam, Thank you for your recent compliance with my Data Subject Access Request. Amongst the information I received, there were copies of the Loan agreement terms and conditions. My main reason for requesting this information was due to a disconcerting form I found regarding ordered ‘extras’ to be purchased under a separate loan provided by Black Horse via CarLand. The form in question (copy attached) suggests that I required an additional 12 month warranty. This was not the case and as you can see NO has clearly been crossed. When I was offered this I stated that my farther was qualified mechanic and that the sum of £856 was more than a complete replacement engine would cost on the particular base model of the Vauxhall Corsa in question – we even joked about it! The form was completed in one of your showroom ‘booths’ and the salesman returned to his office to draw up the second loan form consisting of the additional products I had requested - via the attached order form. I have now noticed after close scrutiny that this order form has been altered by the salesman seemingly out of my sight and the order has been put through with the additional £856 premium for the warranty. You can clearly see on the order form that it has been changed to YES and the alternations initialled by the salesman – if this had been altered with my permission it should be my initials to approve the amendments! The form was returned to me with the assortment of forms that I had signed that day and I thought no more on the matter until today. I’m quite frankly outraged by this – why would anyone pay over 5 years at 9% APR for a product that adds cover to a vehicle for just 12months? The Car was under 3 years old and was probably still covered by the manufactures warranty. Additionally I have spoken to Vauxhall who have expressed to me that any car under 3 years old should not be defected to the point of where a 5th of its value is require in repairs at any one time, this is why an M.O.T is not required for the first 3 years. To resolve this matter I request you return the sum of £856 plus £209.66 interest that I will have to pay over the course of the agreement. I would appreciate a reply to this letter within fourteen days. If you reject this complaint, and do not refund me accordingly, I would be grateful if you could explain whether you provide an internal appeals process. If you do not, please supply me with a final response letter, so that I can take up the matter with the Financial Ombudsman Service, Trading Standards and finally make a claim via the small Claims Court for total owing to a miss-sold warranty and suspected fraudulent activities to make financial gains I look forward to your response. Yours faithfully, hope you stayed awake - any comments?

agreed! i have to say it works as i never pay DCA's without the documenst - then 1st credit wrote a relly 'nice' letter saying tehy had brought it and wouel i be interested in pay 50% as a final settlement or i could spred it over £10 a month payments i paid 50% and heard no more :O

Right i sent First Credit this letter to inform Universa that my ballance is paid - they have not responded - what can i do now? I wrote this: Date: 22 August 2006 Dear Sir or Madam: Account Reference – XXXXXXXXXXXX I am writing after settling my account with you for the sum of £315.74 on the 21st November 2005 for an alleged debt with RBS. I contacted you some time ago to request that RBS were informed this account was brought up-to-date, so my credit file could be amended accordingly with Experian, Equifax and CallCredit. Several months later my file has still not been updated so I contacted RBS, who state they have not heard from you and will not alter the Defaulted balance without proof from 1st Credit that the debt has been settled. Could you please confirm this to RBS immediately to resolve this matter, and inform me by return that this issue has been dealt with so my RBS file can finally be updated. I would request that this information is provided to me within the next 14 days. Yours Faithfully Mr. XXX

i think it should be removed as part of your claim, tho if not it should defo be a true reflection and with your refund the fugure should change to reflect this IMO

i have yet to meet any ill mannered bank staff - they usually cant help me but they are polite lol. its them dam DCA you set on us that are ill bread knuckle shufflers! but thats another story

yep i also had this - i like a fool paid them monthly for some time - i have now stopped and today they put a default against me when they are in default - cheeky feckers! i am making complaints about them atm, and as soon as Natwest and Halifax comply with the DSAR i sent them i will be able to caluclate how much i paid them and claim it back (as far as i can see) I had 3 LBA letters off CrapQuest - they then called me and i had all the answers off this site - needless to say they hated it and hung up - they do this all the time

you can there are various threads for this if you search. also it should defo be changed to satisfied even if not cleared! did CapQuest take 80% as full settlement or are they still persuing the 20% - if so send them the CCA request!

Dont worry about CapQuest - they have never taken any one to court and they never have all the correct paperwork - send the CCA request above and check out the link in my signature for re-asurance... also here: On Grumbletext.. Capquest Debt Recovery- barkingmad speaks sense, follow this direction without variation, THEY are to do the work, not YOUDLTBGYDUOTE Grumbletext, UK consumer complaints about Capquest Debt Recovery - post your opinions, complaints, comments online or via SMS about Capquest Debt Recovery Capquest Debt Recovery complaint, Capquest Debt Recovery review, Capquest Debt Recovery opinion, Capquest Debt Recovery consumer review, Capquest Debt Recovery consumer complaint, Capquest Debt Recovery customer complaint, Capquest Debt Recovery consumer opinion, Capquest Debt Recovery customer opinion, Grumbletext it reads backwards tho from last page to page 1!!!

I will be pursuing this - how ever i will be persuing the one CapQuest have registered to as they are in Default by non compliance with my CCA request - i'm looking forward to taking them down as they have treated me so badley sinse day one when they pretended to be a solicitors taking me to court!

I have used this for CapQuest - they still call 3 times a day...i never answer but thats not the point! do they have to act on this letter or can they ignor it and continue?

Well i have checked my credit file and this month CapQuest have registered a Defualt against me - they havent informed me, they havent shown that i have paid on time for over a year untill they Defaulted on the CCA request and now they have marked me in Default - the best of it is they never put it on there before and what shows is not a true reflection of my payment history with them as it just shows August = D where the other months showing OK? I'm furious - its time for LBA but i dont knwo how much i have paid them - do you think i can call them up and ask? the ballance says start was £2532 and now its £2329 but i have paid between £25-£50 to this account over the past year - thats a min of £300 at the lowest rate but its nearer £500 in reality - they have yet to register the other account on there but they never mention that one in their demands any more. I'm unsure on what i can do untill Halifax comply with my DSAR - it was posted one month ago and still no word - not even a letter, tho they did cash the cheque. the halifax record is still on there shows payment history then a defulat no a partial settlement - i need the DSAR info so i can sort out figures etc - its all so confusing

I subscribe to my credit file and I have noticed that this month this has appeared: It has never been here before yet it suggests that it’s been here ages! – how do I get information about this? - (there is DDDDDDDDDDD for the status) Also CapQuest who I have been dealing with (see signature for full saga) have put a default against me this month even tho I have never missed a payment until I CCA’d them and they didng comply – what should I do!? Lender Name : Hillesden Securities Account Holder Name : Mr XX XX Account Address : 1XXXXXX Date of Birth : XX XX XX Accountholder Status : Normal Start Date : 29th November 2002 Account Type : Loan (unspecified type) Account Status : Default Last Updated : 23rd August 2006 Current Balance : £1,430 Payment Start Date : 10th January 2005 Account Start Date : 29th November 2002 Repayment Frequency : Monthly Lump Payment : £0 Default Date : 10th January 2005 Original Default Balance : £0 Payment History : Click the icons below for more detail Last 12 Months