Hi, A long story - so will keep as short & factual as possible. I requested a copy of the agreement early 2007, but was only supplied with the application. After many attempts the agreement was sent - but this was to what was my address at that time, not the address at the point of taking the agreement. Knowing this I asked Halifax to confirm that this was the original - which they did, so made a poor attempt of going through the small claims process. Halifax at this stage (Jan 2009) produced what they call a true copy, but this did highlight that I was overcharged interest as 0% was applicable for purchases, cash advances & cheques for the first 5 months. The credit card statements however showed that interest was applied for cash advances. Over the past 12 months all correspondance from both myself & solicitor letters had been ignored until February 2010, where the have accepted that this was an error. The issue I have is that I stopped making any payments towards the account in 2007 after they failed to provide a CCA & maintained refusal since they did supply this as I was clearly overcharged. During this time Halifax routinley updated CRA's & also applied a default notice. Although accepting that the interest was applied in error - they have maintained that they are not removing the data as I had no reason to stop making payments (Even though it took them 2 years to produce the CCA & then ignored all letters and calls for 12 months). From the limited information that I have seen, when under dispute they should not have updated the CRA at all. What I do have is an excellent trail of letters & calls, both from myself & solicitor so supports that it is them that have avoided my correspondance at all times. (on this note, they have offered an amount of £100 as a gesture of goodwill + the interest that was overcharged) Any advice.....? Thanks MB1