Interesting! I checked my experian record yesterday, and can see that HSBC have marked the file - the first I knew of the payment was when HSBC got in touch to say that BT tried it on. I was kind of expecting a bill, but having no idea of the magnitude of the bill, it's kind of hard to say how much to leave in there. Plus, it's my second BT bill on this number (and the second in about 5 years) so there's not been ample opportunity to establish a pattern. That's what I think! I was pretty much waiting for a bill that never came, so that I could move money into the DD-ed account to pay it. I did also add on the letter that I sent them today that if they don't produce a bill, I'll consider this withdrawl as a credit against any future bills

I sent them a recorded letter today, along with all my past correspondence, to the 81 Newgate address. How can I go about getting this CRA listing removed, though?

It was sent recorded today with "incorrect", erroneous is probably a more accurate word though! Thanks for your help, I'll update when/if they write back.

Done.

Thanks. SAR sent 13/03/2008.

It's (at the very least) on my Experian record for Feb 2008.

In January, BT mysteriously took out £69-odd from my account via DD. I haven't received a paper bill for this (they messed up online-billing when I signed up for the line and it hasn't worked since). The line is used for business and I could really do with an invoice for it. I've written to them twice for a bill, in the later letter pointing out that they're in breach of our DD agreement - nothing! Further, as luck would have it, I didn't have enough cash in my bank account when they tried their withdrawl and it bounced. I wasn't charged (can you imagine the mess that'd cause!) but it did go down on my credit record. How can I get a bill out of these buggers? Also, what's a sensible fax number and/or correspondence address? Their phone line is almost unusuable (queues are silly long) and, well, writing is best!

How should I go about determining a more sane number for "in full"?

Thanks. The last correspondence I received from them was a bill around June 2003, after which I wrote to them, and then nothing since. What are my options? As it's not an enormous bill (and at a pinch I could pay off the debt owed minus charges), I'd rather clear it off my record sooner than wait until Feb 2010 (that's the other option, isn't it?)

The default was registered 30th Jan 2004, so there's ~22 months to go.

After keeping a spotless record on my HSBC basic account, I've clocked up "one late payment". BT took out a direct debit without warning me (they still refuse to send the bill - isn't this a breach of our direct debit agreement?) which bounced. The bank was kind enough (or couldn't be arsed with a fight) not to charge, but I want to get this unpaid item record off my credit record. How's it done? Thanks!

Hi, I just checked my credit record. The biggest blemish is from a Student Barclaycard that I last used about 5 years ago, with a limit of £350. I became unable to work in 2003 and got in touch with barclaycard about it; they've lodged a default for £630! What should I do? The account was opened in Sept 2000, a bit out of the 6-year data retrieval limit (or is it?) Thanks for any help!

Hi! I need some advice, I think. I went to China for ~13 months, from summer 2006. Before I left, I asked Lloyds TSB to put a note on my basic account about my absence (which they did) and cancelled all my direct debits. When I got back, I was welcomed with £210 of bank charges for unpaid direct debits. I went into the branch to ask for these to be refunded, which they said they'd do - in the end it took 5 months of prods and reminders (and my card being eaten!) to get the charges back, but now that I have, I've got no problems using the account. However, looking at my credit record with Experian, they've recorded a big red "6" for every month up until February just gone (when they corrected the account). I want this removed! It's not my fault, and the bank agrees with me on that point. What's the best way to go about it?

continued from: http://www.consumeractiongroup.co.uk/forum/capital-one/118590-potential-claim-charges-default.html SAR and CCA request letter sent 10th March 2008. Excellent!

Never mind - letter N from Creditors and DCAs - Letter Templates & Budget Planner right?

Hi! This sounds great. I‘ve got a SAR ready to send, now. Where can I find an example of a CCA letter requesting removal of a default incurred under these circumstances? Thanks for your help!!

Thanks - that's kind of what I thought, too. Is there a time limit in which they have to "wake up" and hassle me? As it stands, it doesn't seem worth trying to make noise over the charges at all - much too risky; would you agree?

Hi, This year, I'm a student again; I took a few years out here and there, worked for a while, and have come back to do a masters. There's probably a few hundred pounds of charges in there, but it's been almost 6 years since they were levied. I'm not in any position to repay this - my student loan covers rent, and a tiny amount of food; no bills! The second repayment agreement was the last document received regarding the account (Jan 2005) and I am not with Barclays at all.

Sadly, you don't have a leg to stand on, other than starting up a criminal case against them for damage to official documents. Again, there is no direct evidence. I would let your embassy know, and perhaps they'll issue a warning. This is the kind of thing that happens when you let your passport go out of your hand - out of sight is even worse! I often shouted at bank staff in China and stopped them taking my passport away. Always hold onto your passport firmly; apparently, even the British can't be trusted with this kind of document.

Hi, I was living with Unite student accomodation, during 2005/06. They're awful, don't go near them - thoroughly overpriced! They didn't breach their contract, apart from to once send a fairly derogatory letter demanding £150 and accusing "vandalistic behaviour" when burning oil set off a smoke alarm; of course the £150 wasn't on their list of agreed charges, and nothing came of it. Anyway, I thought they were crap, and left the country £458.76 in debt to them. I've recently started to be hassled by "Credit Collections ( UK ) Ltd", who claim this amount, but all they're able to send to prove this debt is a copy of the tenancy agreement. I've never heard of them, and asked them for "A signed true copy of the deed of assignment of the above referenced agreement". I haven't seen a balance, and I don't yet recognise any debt to them whatsoever. Am I doing it right? Leon

Hi, I had a student overdraft with Barclays, but due to circumstances out of my control, was away from a year and a half and unable to pay any of it back. This absence began in 2003. I called them in late 2004 about the debt, and agreed a £100/month repayment of a balance around £3150, signed by both of us. Anyway, come January 2005, they sent me another "agreement of repayment"; I'd made one payment by then. This new agreement had an outstanding balance of £3230 or so! I called them, and they said it was interest applied for the 03/04 tax year. I pointed out that they'd already agreed a repayment sum, which they refused to admin. I've since ignored the debt, and it doesn't even appear on my Experian credit report. Am I doing the right thing in completely ignoring this? Leon

Hi, I had a Capital One tiger card, with a £200 limit after paying a £200 deposit (my credit's generally awful). I moved to China in August 2006 (for a year - I'm back now) and told them in advance, as well as giving them my new billing address. I didn't receive any bills for a while, and eventually got a bill sent to my UK address, detailing a lot of charges due to late payment and being over my limit (I wasn't over my limit until the late payment charges were put on). Turns out, they had taken down my Chinese address wrongly, and the bills they were sending didn't get through. They sent a letter saying that they were going to issue a default notice. Now, my only payment options from China were a SWIFT transfer - which the local banks wouldn't do - or payment from my partner's Danish VISA debit card, which the bills from Capital One say is fine. After three attempts, we found out that only UK VISA cards are accepted - this isn't mentioned on the bill! Unable to pay (can't send a cheque in GBP from a Chinese account, Capital One won't accept cheques in CNY), the default was issued and the debt passed to the collection agency. My £200 deposit was set against the outstanding balance. Upon receipt of the first letter from the collection agency, we called and paid using the Danish card without problems. What I'd like to do is reclaim this stupid overlimit charges, which are a result of the late payment charges anyway; reclaim the late payment charges, as I never got a bill; and remove this default, as (a) it's entirely due to charges (b) I tried to pay it off once notified, but they suddenly didn't accept VISA. What do you think I should do? Leon