phoned them at 10am and they were adamant that the guesture of goodwill is all they will offer but they will phone back after 4pm to confirm how it will be paid back and the exact amount that will be paid. Request my money back letter is being prepared and will be emails today if it is not for the full amount and the default lifted.

Got my list of charges back. offers £115 which is the difference between the amount they beleive I was charged and the OFT £12 guideline. Will phone them after 9am and ask for full amount + contractual interest + compound interest. The account had a lot more charges before the 6 year cut off, I may try to push this also. will update later on.

just had a success with Freemans see my thread Account was old, opened in 89 and stopped using it about 4 years ago.

Just got a very nice letter from freemans after the standard SAR. they say that they have reviewed the account and are now willing to mark it as complete and no more collections will take place for the remaining (disputed) outstanding balance of approx £300. Account was passed to Moorecroft and they will be informed to cease collections. They also state they will update the credit file acordingly. I have remonded them of my second letter telling them they no longer have permision to do this. Lets see what happens now..... 1st win. yehaa, just got to stop them processing my data now.

Bettyboop I sent mine yesterday to Charles Bacon Solicitor Legal Compliance (Corporate Affairs) Nationwide Building Society Nationwide House Pipers Way Swindon SN38 1FN but I am in Scotland (£750 small claims limit) but wanted to go to an English court for the £5000 limit. I beleive that Ireland is also a £5000 limit (I think) so either address would do I guess.

If you still haven't managed to open a new account with a debit card then the last resort is a pay as you go debit card. Going places do one that is free. It is ok for emergencies but not for every day use. Pop in to a branch and get some info on it.

Court papers now sent as expected there was no response to the LBA. Tick Tock, Tick Tock!!!!

yes, you can claim the fees back and if you have closed the account you can tell them they no longer have the right to share your data with the CRAs as your contract with them has ended and the right to share has also ended. Read this thread for info. read this thread about the process.

the first 14 days are now up so only 30 more to wait. Got a snotty response to my s10/s12 letter. I had also said they were no longer to phone me (I quoted the Wireless and Telegraph act), warned them I would record any future calls. In the reply they said they would give me 10 days to reply by mail with my payment plan and all of my financial details or else the phoning would restart. Over the last 3 days they have tried to call me (caller display said it was them), never answered as was not a suitable time. Did they not read my mail saying I was not aknowledging this debt and they had to prove it!! Looks like they can't. Looks like the don't call me has a big effect. The first time I do answer and record the call, I will then be escalating it as a breech of the W&T act and try to have them fined.

if o2 have no recollection of what the CRA info is relating to then surly lodging a a request to the CRA should cause them to contact o2 who in turn should say they have no idea why it is there and tell the CRA to remove it?

if this question was for me then yes. It was paid the day it was going to court. It was a dispute with our accountant over his fee and he started to use the legal route to get his fees. Knowing what I know now it would never have come to this. PS, the hassle (in time) it takes to get rid of the CCJs, try everything to stop them going on in the first place, or if you have received 1 do everything to pay it off in the 30 window.

Thanks, I have just written that letter pointing out they have just over 1 week to comply. I am lovin' this new found confidence this site has given. The shoe (or gutty in Scotland) is well and truly on the other foot.

Good news bad news time. Bad news is the BOS are playing silly beggars with the S.A.R - (Subject Access Request) data. Only sent some statements on 1 current account, otherone not even mentioned along with 1 of my loan accounts. Will keep pushing them for the next 2 weeks until the 40 dyas are up. I would rather have the info so I can start claiming than have to chase them for not replying fully. Good news is the loan agreement they sent has a "purpose for loan" in the application form of "to pay off overdraft" so this will be included in my papers as a consequence of the unlawful charges. Hopefully a further £4500 going on some other claims.

I have just had a CCJ removed from my files and had no dealings with the CRAs. In the credit file it stated who lodged the CCJ on my record (Registry Trust) which is another paracitic privately owned company (in my opinion) who scoure the courts for info they can lodge on crdit files. They then charge a fee to have it removed. I contacted them telling them we had made payment within the 30 day limit and could it be removed. They asked for evidence of who the claim was against (copy of court papers) and a copy of the cheque and the cheque clearing my account (or a letter from the originator saying all was good). Registry trust (or whoever your paracitic lodger is) then ask for £4.50 and they then send message to all CRA to have it removed. good luck

My mortgage went to the status 8 and although I was making my monthly payments for the last 15 months on time it just sits with the status 8. I challenged the lender but they said "tough". I am now out of my fixed rate and about to sign the papers on a lower rate mortgage and immediately after thet I will be going after my charges and pushing for the default to be removed.

Just had another thought, Can anyone setup a CRA by applying for a licence? if yes then why don't the CAG setone up. A fair one that is transarent and completly honest taking all the learnings of this site and cases fought? Is this something that could be offered as a future use for donations? Just an idea.

I don't dispute any of your "evidence", but this is an open forum and hopefully we will gleen some more useful information and JamesJ is still a human being just doing his job (we may not like his job or the impact it has on our lifes but he is still human). Thought to myself, wonder what information is on jamesj's credit file? I detest the way CRA conduct thrier business and the hassle it has caused me through the years and can't wait to see what all my ex-lenders have to say about me removing their right to share my information. I think we still need to be polite to him as we would any member of the forum while not feeding the troll. I think, although many questions have not been answered fully he is still engaging with the forum and not rising to much of the bait being thrown at him. As I said before it is just a shame the banks aint brave enough to come on board for a discussion.

jamesj: I am not too sure the validity of your quote above. On 2 occassions I have had 3 defaults (1 for each account) with a bank, Clydesdale and BOS. They never fed any data to the CRAs for the years of GOOD credit I had only when I had some money problems. ps good to have someone brave enough to come and chat, shame the banks and other financial institutions are professional enough to take part too. Just hope we make progress in improving the system for all.

has the mortgage account been conducted well? Is yes then my personal opinion is that they could not pull the plug. BUT why would you want to give them any future business, you could start changing mortgage now and by the time the accounts are being closed you would have your mortgage moved. I am sure others will reply with data supporting what they will actually do.

On the new postoffice online postage site it allows you to print your own postage. Should save us all a load of hassle in post office queues. http://www.royalmail.com/onlinepostage Same price as going to the counter but not sure how the track and trace works though. Will need to give it a try.

Just from reading about other posts either the bank or the court could but not guaranteed to merge. the bank probably would as they know it adds more pressure to us "the little people" and more likely to scare us. Once you have done the first claim think of it as the bank are actually paying for the second claim as the cash you are paying with was once theirs:p I plan on banking the first payout I get and using that for all of my claims, so it is not actually my money I am spending.

Not been through this myself yet, but what I have read is "sit tight" and wait til nearer the court date. So long as the charges you claimed back add up correctly they will pay out. the last thing they want to do is go to court. Just plan on what you are going to spend it on. good luck.

Sent sar on 28/8. Tried my luck by phoning them after 17 days to try the "lets settle this quickly" approach. They said they couldn't find my letter on file and could I email a copy. There is currently a large backlog of these "complaints". My data is old and needs to be dearchived so may take a little longer. Oh, what a shame, I aint changing my timetable- tough.

I will have to borrow the £250 (my claim if for over £5000) from Mrs Debt_mountain. I am expecting MBNA to payout before then so may be able to finance it with the MBNA cash. Its a shame there isn't a fund we could borrow the fees from as they are guaranteed to be paid back. you could always ask Nationwide for an increase in overdraught and tell them what it is for:cool:. At least with me just days before you you can see what to expect. Going on recent Nationwide activity they pay about 50% after approx 10 days from the court papers, then a couple of days before going to court stump up the rest.

Just called Cabot and it was so good having the upper hand. I sent my CCA to them at the end of Aug06 so the 30 default timer is now ticking. Mid Oct they will be unable to collect without first getting a court order. They have since called me to say they own an old bank of scotland debt and want payment. I explained to the very nice lady that I had sent a CCA in and that I do not acknowledge the debt until they provide the evidence. So was a little quite but said she would log that it was in dispute (no record of receiving the CCA - I told here that I and the Post Office do have a record so that is ok.) I then also read out the "don't phone me again script" and only communicate by mail. Se also said she would log this. It is so nice to have the upper hand now. Can't wait til mid October so I can ignore the so called outstanding debt then start claiming back for the old debt that I previously (not knowing any better) paid off for about 70% of it value. roll on Mid Oct.