I think thats probably a good idea. also it seems that cabot own the debt now but the default is in the file as thames credit and now been transfered to Aktiv kapital. round and round in circles it seems... but I would have thought that it is the responsibility of the company that the default is marked with currently? Very confusing... Seems like if I where to send it to Cabot, Barclaycard, thames credit etc.. they could simply pass it to another company (or department) and transfer the default to them? I've got a feeling that they have partner companies in place purley for this purpose, to pass the buck, or I could be paranoid!

Had a debt with Barclaycard and now has been passed to Cabot. Do I send a Subject Data Request to Barclaycard, who originally owned the debt or Cabot? I would think it would be Cabot but just want to make sure. Thanks

I thought once an account was in default, then that was it - account closed. So can they then decide to put a CCJ against you for that account?

Hoping for a little help. Have a default on my file with vodafone which was paid, I have sent them a CCA request and they say they will not remove the default as they are not regulated by the CCA which I now learn to be true. However, after 3 (very polite phone calls) from Vodaphone, I have now recieved a letter from them this morning (quite a long one) basically saying that because I cannot prove I have apid them, they are unable to remove the default. However, as a 'gesture of good will', they are willing to credit my account with them (I thought the account was closed however) with the full 'outstanding' amount and mark the default as 'satisfied'! So what are they playing at? If they basically say I haven't got a leg to stand on because I cannot prove payment, then why are they 'as a gesture of good will', willing to wipe the debt? I need to phone them (so they say) to let them know of my decision of their offer but am unsure whether to accept or not. They obviously see I have some form of case or they would have just told me to go away! Should I bother to contact them or simply send them a S.10 notice? Sorry if this is garbled, any help would be very much appreciated! Stuart

Hello Hoping someone might be able to shed some light on this.. Sent a CCA to Lloyds TSB for a default and there time is up. However, I recieved a letter this morning saying that because the default is for an overdraft, they are not regulated by the CCA and have no obligation to supply me with a credit aggreement OR a copy of the default notice. is this true or are they trying to fob me off?

Having a problem with NatWest, I asked them for a copy of my credit agreement with them for a credit card which they have supplied (I think, it is an application for credit?) and also a signed true and certified copy of the original default notice. They have sent me a standard letter generated from there system because they say this is how they hand out default notices. because of this, they are unable to supply me with a copy of the original default notice as these are not kept. They said that they feel that they are not in breach of section 78 of the Consumer Credit Act, I think they are but am looking for some clarification before sending them another letter, any help would be very much appreciated. Stuart

lol thank you tinkerbelle, I will have a look :grin:

Yes, well, asked a librarian at my local library but was told they don't hold a copy!

having a problem with Natwest, I asked them for a copy of my credit agreement with them for a credit card which they have supplied (I think, it is an application for credit?) and also a signed true and certified copy of the original default notice. They have sent me a standard letter generated from there system because they say this is how they hand out default notices. because of this, they are unable to supply me with a copy of the original default notice as these are not kept. They said that they feel that they are not in breach of section 78 of the Consumer Credit Act, I think they are but am looking for some clarification before sending them another letter, any help would be very much appreciated. Also, does anyone know where I can see a copy of the act? Been searching but with no joy! Stuart

Hi I have a default on my file from Natwest so I sent off a cca request to Natwest (Credit Card Opperations Centre) along with a PO for £1 only to have it sent back to me with a with comps slip saying that he debt was sold on to Cabot Financial and all further correspondence should go through them. I thought seeing as the default was put on my file by Natwest, it is them who should be liable to provide the documentation and if unable to do so, remove it, so I sent them another letter explaining this. this morning i recieved a letter from them saying that they have now passed the debt onto Fairmile Limited Partnership and all further correspondence should now go to them! How is it that if they passed it on to Cabot, are then able to pass it on to Fairmile Limited Partnership? Doesn't seem to make sense to me. Am i right in thinking it is still the responsibility of Natwest as the default is in there name? What should I do now, getting lost! Any help would be very much appreciated Stu

I gave them 28 days because of the template I found. I sort of went into this thing a little green! I think the effect of giving them 28 days will be that the process will take longer, which I guess is obvious! However I think also I've possibly made a big mistake doing so because with the extra given time they may be able to find something, however I doubt it (hoping!) So basically is it the case that I now should wait until the 28 days are up and then get back on to them? Am confused why they sent me back the PO Thanks, stuart

Hello, hoping to find some help on something.... Have recently started trying to remove defaults from my credit file and have sent 1st letter on 26-09-06 from the template that I found on here as follows: Olympia Capital ASA/Thames Credit LTD PO BOX 444 Bromley BR1 1ZB Date: 26/09/06 Dear Sir or Madam After recently obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a "Default" notice against an account in my name. Further to this I do not have a recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxx xxxx xxxx xxxx xxxx. 2. You must supply me with a signed true and certified copy of the original default notice 3. Any deed of assignment if the debt was sold on I would request that this data is provided to myself within the next 28 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated. Yours faithfully ME They have now replied with: 29/09/06 Dear Sir, Aggreement Number XXXXXXX Outstanding Balance: £XX XX We refer to your previous corispondance. Please find enclosed your postal order for £1.00. We have requested the information from Barclays Bank (where the debt was originally), we ask you to be patient whilst this is collated. Please be assured that once the information has been recieved we will contact you without delay. Youre faithfully Thames Credit. It is my thought that I should wait until the given 28 days is up and then send them another letter but should I do so now seeing as they have returned the PO? Also more of a general question but if a default is removed and there is still money owed, can they then enforce a CCJ? Thanks, Stuart

I may be being thick (often am!) but, if this method of having your automated data removed, thus removing ALL information on your credit file, does this make contacting companies that put it there in the first place to get info removed (defaults etc...) a waste of time?

Thanks Tobes, that's really usefull to know and I will start trying to remove the default, and then attempt to get on to the others!

Hi all! First post on here, been reading all the information and advice you guys have been supplying and it's all truly amazing! I have had defaults against me for over 4 years and believed that to be the end of my credit life and after reading some of the information on here I have been given much hope for the future! Wondered if I might be able to ask a question about a default I have on my credit file? Basically, I have seen the letter templates to attempt to remove a default and I was thinking that is it possible, assuming that I get the default removed, that the company who defaulted me can literally just file another default against me with new appropriate documentation? I hope that someone may be able to help me a little on this, and thank you for your valuable time. PS. You guys are the best!