I certainly never got any sort of default notice from any of the DCA's, the first I heard of it was when I checked my credit file a couple of weeks ago thinking most of my defaults will be coming to the 6 years.

No I never stipulated removal of neg data unfortunatly, wish I would of been wise to that back then !!! 3 of the Lowell ones show as "satisfied" with "Special Instruction Indicator" as partial settlement But the other 2 show just show as "satisfied"

I have 4 from Lowell's and 1 from MKLP that the dates have changed on, others are still the original dates Checking with Experian the "Defaulted on" date has changed to a date in 2010 rather than 2006/2007. Read a few stories of Lowell's doing this on other accounts on other forums and found a template letter asking the DCA to prove they actually issued the DN and was done correctly but it was from 2008 so not sure if is still relevant.

Currently trying to sort out my credit history as will be in a position to buy a house this year hopefully. I had some financial troubles a few years back now (circa 2006-2007) and defaulted on 7 different accounts for relatively small amounts. I settled all the accounts via various different DCA's in 2010 either in full or by full and final payments. The problem I have is that the defaults have changed to the DCA's details with a date of 2010 when they should all be coming up the 6 year mark and dropping off. Is there anything I can do to have the original dates re-instated ??

I applied for a Santander account in early last year and had my account switched from another account. Everything was going fine until my first payday in April when the bank made a mistake and paid me £3300 instead of £330. Being the beginning of the new tax year having a moment of pure impulse buying after seeing my bank balance I (stupidly) went out and booked a holiday as I assumed this was a tax rebate that I was due. So cutting to the chase the mistake was rectified and left me £1200 overdrawn and as I couldnt pay it back at the time ended up with a default on my credit file. The balance has since been settled through a DCA but i'm wondering if I have got any chance of appealing to have the default removed off my file as i'm now in a position to buy a house and is going to affect me getting a decent mortgage. I know it was my own fault for spending the money but if it wasnt for the banks mistake in the first place it never would of happend !!!

I sent this back today: Well that’s fair enough that the landlords say it wasn’t there but I am still adamant that it was so suppose it’s my word against theirs. After speaking with my solicitor and the DPS my interpretation of the law is that it is up to you to prove the condition of the property at the point when I moved in and not up to me to prove I haven’t caused the damage. I am unsure how you intend to do so considering a signed move in inventory does not exist. I would also like to point out that the visits to the property you mention were instigated by me due to problems with the heating system. Thank you for not charging me on the occasions my rent was late. I am therefore happy for you to go ahead with logging this dispute with the DPS and go down the ADR route. Thanks,

Thanks for your replies guys, I have just had this response from them today (after 5 emails and 2 phonecalls !!!) "We are just in the process of getting the marks assessed and a quoted for their replacement. Once we have these we will be in touch to discuss further and if you still dispute this your deposit is lodged with The Deposit Protection Service and we will file the dispute with them for them to access. Until this is finalised we are not able to release your deposit. The cost the cleaning still stands as before which was £45.00 You were the first tenant in this property as a rented property. Previous to that the owners lived there and they dispute that the marks were there before the start of your tenancy. Whilst we made numerous appointments with you at the property and at our office to go through and sign the inventory you were either not in at the property on the agreed dates and times or did not attend our office. You have the email thread from Michelle on the contact over this. The inventory states that the floor was ‘marked from normal use’ of which the marks that are now there are clearly not and there was no contact from you to note these marks when you noticed them. I would also like to point out that during your tenancy there were 4 occasions where your rent was late, at one point 8 days late, and that in accordance with your tenancy agreement you should have been charged for the periods of late payment and also by us to keep having to chase for the outstanding rent, of which neither you have been charged." 1) Can they take charges that they have failed to charge me for during my tenancy out of my deposit ? 2)How long are they able to withhold the release of the deposit for while they are awaiting the quote ?

Reading up as much as I can (while i'm supposed to be working !!) I have read that an inventory signed by all parties should of been submitted with my deposit to the DPS which couldnt of happened as they never brought it to me to sign. Is this correct ??

Only thing that worries me now is that I have signed the move out inventory (reluctantly) as at that point they said the £45 was all that was payable, as this doesnt state any damage to the bedroom floor i'm thinking I may be screwed

When I first moved into my apartment there were a load of marks on the Bedroom floor where what looks like the legs off the previous occupants bed had caused. The letting agent said they would come around with an inventory for me to sign when I moved in to my apartment as they never had it when I signed the lease but it never happened so I have never signed anything agreeing to the state of the place at the point when I moved in. I have just moved out of my apartment as buying my Nan's old house off my parents. The letting agent come around and we agreed that I would pay a fee of £45 for cleaning as it wasnt up to their standards (it was clean enough) which I sort of accepted and we both agreed and signed the move out forms. A couple of days later I have had an email and they have said I have caused the damage in the bedroom and they are going to get me a quote to pay for it out of my deposit. I have told them that I dispute the fact that I caused the damage and asked where we are going to go from here to resolve the situation but I have had no response. Any advice on where I stand with this legally wise ?? As I didnt sign off the state of the property when I moved in will that play in my favour or go against me ??

I actually work for Barclays :o (Dont shoot me yet ! ), only in a call centre for them and im thinking of going ahead with this as i've easily been charged over £1000 in the last 6 years. Could this effect the conditions of my employment ?? Also dont know if this has been asked before but do I have to send 2 cheques (One to barclays and one to barclaycard) with my Data Protection Act letter or can one letter be sent with both account numbers on it ?? Thanks in advance PW