Thanks. I wouldnt bank with Santander anyway as Ive had past dealings with them and I wasnt impressed at how they handled the situation.

Thanks for your replies, I will have to do some further reading before I decide how to proceed. Any more advice is always welcome.

Thanks, I will take a read. FYI, Im moving outside of the EU... I dont mind giving my address to where I move but I dont want them to be able to impact my credit in Country.

To be honest Im just sick of trying to deal with these lot, they simply ignore all my requests. One even took court action and on the date that we were supposed to attend County Court they didnt bother to turn up. And yet the judge still gave them a chance to produce the information that I was requesting. Eventually after 28 days when they didnt produce the documentation then claim was struck off. I dont mind dealing with them so long as they honour my requests, I just dont want them to hassle my parents who have nothing to do with any of this.

A couple were entered as defaults about 3 years ago and a few about a year back now

Thanks for that. I have checked the file and all of them have been passed onto various DCAs from the look of things. Ive written to several of them to request that they show proof that the debt is actually mine but not a single one has managed to provide me with anything. I just keep getting the same standard template letters. I leave here in a months time, how would you suggest I proceed? Do I write to them and tell them that I am moving country and that the house which is under may name is also under two other peoples name and that the contents of the house belong exclusively to those two individuals? Thanks once again.

Could they really charge on the property even thought I own nothing in it? I havent got all the debt details to hand, but the largest is aroud £7k and the smallest around £250. In total there is about £13k

Hi all, I will soon be departing these shores and wanted some advice about some existing 'debts'. For some time now I have been requesting various bits of information from certain DCA's so I can verify the validity of the alleged debts but on each occasion what I have got is just rubbish. My concern is that I currently have a house under my name along with my parents (I dont live there nor do I pay the mortgage) and I wanted to know could these DCA's get any sort of court order to go to the house and start removing any goods? Everything in the house belongs to my parents with the exception of a bookcase and a few books which I purchased. I will be writing to all the DCA's to inform them that I will be leaving the country, should I tell them that any mail sent to me will be either binned or sent back to them? And also how do I make sure that they dont try anything sneaky while Im not here? I dont want anyone turning up at my parents house and scaring them into letting them in or making them sign/do anything. Perhaps I could remove their implied right of access to the property? Thanks in advance for any advice.

Hi all, Just to follow on with this topic, I noticed that I had many defaults on my credit files even though I was never served with any default notices. So after a bit of researching I sent the following to each company listed in my credit file: 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 have no 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 XXXXXX. 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 me 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. Question is whether the above would work in order to get the defaults removed from the file, or am I just wasting my time and money? Thanks! Mani

Hi all, Had some great "fun and games" recently with Lastminute.com. My wife and I had planned to travel to Vietnam with a 3 night stop over in Dubai. The problem was that I got my dates mixed up and we ended up missing the flight - my fault I know and I was willing to pay a small fee to change to the next available flight. But thanks to the sheer level of incompetence from the folks at Lastminute, our 3 night stay ended up being 5 nights and 6 days. The problem? They were unable to get us on to the next flight even though Emirates confirmed that the flight had plenty of seats left. Lastminute kept blaming Emirates saying that they would not quote a price and kept asking me to speak to them. For two full days I was going back and forth between the two to get a flight out (my mobile bill hit the 500 pound mark!). Emirates made it very clear that they couldnt do anything as part of the journey included getting a flight with another airline so only Lastminute could arrange the tickets. They also confirmed that the prices were available to them and they had all the authorisation to make changes to the booking. Every single person I spoke to at Lastminute would give me the same nonsense and constantly placing me on hold, or promise to call me back... but no phone call. I even managed to get to speak to the supervisor who assured me that he would call me back after speaking to Emirates. Guess what? No phone call. Eventually I managed to get a flight but had to pay 440 pounds, which I personally think is excessive. Not only did I have to pay for that but I also had to pay the extra hotel charges while trying to sort this out. The employees at the hotel were shocked at how Lastminute worked and couldnt understand as to why such a simple thing took two full days to resolve. Even after I paid for the change, Lastminute forgot to email the e-Ticket to me so the following morning I was once again on the phone to them.... which lasted 20 minutes! In total it cost me over 1000 pounds for missing a flight and I am furious at how awful Lastminute were in trying to change the flight to the next available one. Apologies for the long rant... I wanted to know how should I proceed in complaining and hopefully getting some sort of compensation? Thanks!

Thanks, and yes it's certainly a load of my mind... However, I still have this to deal with: http://www.consumeractiongroup.co.uk/forum/showthread.php?318406-MBNA-Claim-form-recieved....-advice-required.&p=3603528#post3603528

Yep, that is full and final settlement. Im awaiting all the paper work and will double check everything. Thanks all for the help and advice.

Hi Simon, Im afraid I wont be of much help as my knowledge in these matters is limited. Update on my situation: Had another call from the mediation officer and we agreed on a settlement of around 10% of the balance owed. I would rather pay that than have the headache of a court case. Problem over.

Update: Mediation has been rescheduled as the claimant need to investigate why the NoA hasn't been sent. Also, they focused on a number of transactions on the account which I cannot remember and therefore need to check for. To be "helpful" they've kindly volunteered to send me all the statements from the account so I can see what the transactions are.

Interesting stuff there, so what do you recommend that I build my defence on? Also, got a call from the mediation service today as Cabot want to mediate a resolution for this. Surely if they had a water tight case then they wouldnt mind going to trial? Or is this just part of the process? I have a telephone mediation booked for next week, should I stick to my guns and ensure that this goes to trial? Many thanks.