I phoned Equifax, but also on Experian web site you can raise a question about a report, with both you have to have requested a report 1st before you can question the information on it. As to how sucessfull this is I'll have to wait and see, Freemans returned their information the same day on my wifes report.

I'm in the same boat as you, took money out on my house and bought 2 buy to lets, also have a buy to let that I bought in Jan, one company did 8 searches, so in total I now have 17 searches relating to mortgages. I now have to wait a while

After no joy with 3 them selves I have asked the CRA's to question the default, fingers crossed should 3 not respond to them after 28 days they can remove the default, got the impression from the one guy I spoke too he'd done this a few times before with them.

I recived judgment on the 24th of April, they totally ignored my claim untill now.

just done some sums, looks like they missed off my chrges from Nov 2000 untill March 2001 plus the intrest, however My 1st letter of complaint was registered with them on the 23rd of November 2006 as this was when I was first made aware that the charges on my account might not be legal. I did do it arse backwards, claimed 2 lots 1st for 2003-2006 and now 2000-2003 started both claims together. If the Halifax wanted to defend have they not been given enough time to do so? thanks for the replies, phoning the court now.

Just about to phone the Halifax back, I won by default but the Halifax have sent a letter and paid in £382.42 less than I claimed as they "dont consider that you are entitled to the further £382.42"! Didn't they have a chance to file a defense at court, and can they do this? they say they will enter a defense, how can they if I've endered a judgment by default on the 24th of April? Sorry it's not linked to my thread but I needed a quick answer. Cant touch the money as I havent got my cash card back after snaping it, doh!!!!

How long after judgment by default should I wait for payment? Been 7 days so far, iching to issue a warrant.

Thanks for the reply, I have read many of your posts which have been very helpful, I have gone straight to the credit scoring companies as I didn’t actually owe the money, 3 have ignored all my polite letters so far. Equifax were the ones who got the defaulted £84 removed and now shows as settled, but as I didn’t owe the money this is not satisfactory. Experian who proved very helpful have now raised the point with 3 and should they not answer satisfactorily within the 28 days they can remove the default, The nice bloke I spoke to said that means if they haven’t got my papers in order they can’t keep the default on my credit file. Wouldn’t have minded so much if I did owe the money. Thanks again James.

Hi, would you also enclose the draft order etc along with the letter to the bank solicitor? Thanks for all the advice.

Thanks for both answers and merg. It's my wife's claim and she's giving me a hard time

Ok got my defense from Barclays, as posted before they have done away with the AQ. Just wanted to check that the defense was the same 11 point defense as everyone else, also point one it states that: The particulars of claim do not provide details or particulars of the precise charges alleged to have been unlawful, or the date thereof…………….. The court has attached a copy of my charges with the date and amount of each charge I believe unlawful that was supplied to both the court and Barclays. Do I now wait until I get my court date, just printing my draft order and covering letter, thanks Torigirl. How far away is a court date likely to be, suppose it depends on how busy my local court are.

Hi, after reading up on defaults by phone companies I have set about removing a default registered on my credit file by 3 in 2005, it wasn’t until I bought a buy to let property that I even knew about the default, as I have been trying to repair my credit rating since leaving collage, A default notice would have been prioritized if I was aware of it. On my credit file it appeared I had defaulted for £81 however when I contacted Experian they investigated it, contacted 3 and they came back with it being settled, this was as much as Experian could do apparently. Now I had canceled the contract and moved to Orange after my 12 months were up and the 3 phone was cut off and to my understanding paid up in full. After doing some reading I see that they are not the same as removing a default from a credit agreement, I was going to use these letters on here http://www.learnmoney.co.uk/credit-cards/remove_default_notice.html however am I right in thinking that that would be wrong? What is the best way of attempting to get this default removed as I am 100% sure that I did not receive any notice of this default? And I’m sure the correct procedure wasn’t followed. Any help would be most appreciated, thanks James.

Hi got a letter this morning from Northampton, it read “Your request for judgment in this claim has been rejected for the following reasons: Case status is set (eg paid, transferred. Etc.)" Anything I can do now or is it a case of sitting and waiting? Thanks James.

wow! Thanks for the very fast replies. I have my order of direction etc ready with my AQ (I’ll use the one I successfully used with Lloyds) ready. Amazing how they can change the rules, I agree if it were the other way round I would stand a cats chance in hell. Thanks again.

Hi, 1st post to Barclays but been chasing the Halifax and Lloyds with complete success with using the templates etc. However yesterday was the final day for Barclays to defend on the MCOL website, they acknowledged it some time ago. I requested judgment this morning, but by lunchtime they had decided to defend, then this evening the MCOL web site states under judgment that it’s rejected. Does this mean that the claim is rejected? Or that the judgment is rejected? If the judgment is rejected then should I be expecting an AQ questionnaire in the next couple of days? Gutted I was so close.

Give them a call, tell them that your ready to go to court but as a last good will gesture etc you will accept the full amount, saving them court costs and intrest. Worth a go, good luck.

stolen from another thread: Calculate the whole amount you are claiming from the bank Then you need to calculate the daily rate of interest (at 8% p.a.) that is to be added to the amount you are claiming. This is the claim amount multiplied by 0.00022. That gives you the daily rate which is added to your claim each day after you send int the claim form until the claim is paid by the bank or you get a court judgment in your favor. So, if you are claiming £1500 to find the daily rate: 1500 x 0.00022 = 0.33 So the daily rate is 33 pence per day. Say it takes the bank 70 days to pay up when they settle you will require your claim to be paid PLUS 33 pence x 70 = £23.10 PLUS your claim fee paid to the court.

I have the same, phoned MCOL and a nice lady said not to worry it was closed, however mine still shows on the site one month latter.

I'm in the same boat, helping out a friend who has recived a defence from Lloyds, sounds like the same 9 point. I have read both threads and I'm not a 100% I have opted for the ammended aq aproach, as far as my very limited understanding of it is that we add both text as a extra pages with the AQ form this gives us 14 days to send the relevant info to the court and Lloyds. Spent the last 2 days reading and rereading as it's not my claim I want to make sure it's right.

Took 13 of their 14 days to pay it in mind.

But in this case all you need to do is satisfy the courts requirements.

none of my letters have ever been signed for, however I recived my settlement last Friday. If they had to signe for every letter I'm sure it would slow the whole thing down to a near stop, proof of posting is all the court require.

I agree, though I did speak to a lady yesterday who passed my complaint on, got a call this morning and within the hour my money was in my account, today was the 13th day. Must be just the luck of the draw as there is no other reason.

If it's the standard "give us 8 weeks" then yes send the LBA off, keep to your timescale.

If you stopped the cheque, then I would have thought no, as this is a service.