I sent a CCA and was given a recon with no name; no address; no T&C's; no interest rate - nothing. I challenged it and this is the response - verbatim - which I received this afternoon - any help would be appreciated cos I am fuming! Also - thier figures do not add up - they say we owe them 1,800 but when I went through the statement they sent me they had missed off TWO years of payments at least! We actually owe them just over 1k. letter from them - "Further to my letter f 1 November 2012. I have now investigated your complaint fully and in line with our Complaints Proceedure. I am in a position to provide you with a final response. Our investigation has highlighted that we do not uphold your complaint. To enable you to understand the reasons for this decision, I would like to take you through the facts of the investigations and share the conclusions with you. Our Investigation On the 24 October 2012 we responded to your request for a copy of your loan agreement. In compliance with your request pursuant to Section 77 of the CCA we enclosed a reconstituted copy of the executed Credit Agreement and a statement of account. In accordance with the Consumer Credit Act 1974 it is acceptable to supply you with a reconstituted copy as the creditor or owner may not have preserved a copy of the executed agreement. The requirement allows us not to provide an exact copy, a carbon photocopy or microfiche copy and we can therefore provide a reconstituted copy. Our Findings We are confident that all our agreements are properly executed and not open to challenge. Even if, which is denied, the agreement is improperly executed then all requisite Schedule 6 information is included sufficient to allow the court to permit enforcement. You must take whatever action you conside necessary, however, we will not be releasing you from any obligation. Furthermore, a request made under section 77 of the Consumer Credit Act is not a provision to remove liability and if you believe that the above agreement was not entered into by you and therefore believe fraud to have take place, you should report this to your local police station. The current balance is £1813.43 which remains outstanding. If however you are experiencing financial difficulties please contact our office so that we may discuss mutually agreed repayment proposals. Please note that, under the terms of our Complaints Proceedure, this is our final response. If you are dissatisfied with it, you may refer your complaint to the Financial Ombudsman Service. You need to do this within 6 months from the date of this letter. For more information please read the enclosed guide 'Your Complaint and the Ombudsman'. The address of the Financial Ombudsman Service is: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E12 9SR I also enclose a copy of our internal Compliants Proceedure for your information. Once again, we are sorry for the inconvenience we caused you and hope you will find that the points above offer a fair resolution.

Hi, I am quite new to the forum and am in the process of understanding how I can start to clean up my credit record. Now currently I do have a debt management plan with the CCCS which has couple of years to run yet, so I understand that rebuilding my credit will take some time. However there is one loan against my credit file that bothers me. I have an entry on my file for Lloyd's TSB Asset Finance for around £1900 with a balance of £1800. The account defaulted in 2006. This was around the time that I got help from the CCCS who got in touch with all my creditors to help set up a debt plan. Now I am using Noddle to view my credit report and against this entry there is a default recorded for every month since 2006. Yet all my creditors were spoken to and they agreed to a managed payment. In fact most debt ended up being handed over to collection agencies who agreed to the payment. I cannot remember for the life of me for what reason we had this loan with Lloyd's TSB asset finance and I have not received one letter chasing payment since 2006, yet there is a default against my file for every month since. Now given that a default will not drop off for 6 years I am seriously worried about this. Obviously I need to chase down the debt and find out what it was for and why no contact, but my question is can they continue to apply a default to my file for non payment when I have had absolutely no correspondence with them in 6 years? Surely they would have passed a loan over to a collection agency before now and the collection agency would have been in contact? What are my rights, can I get them to remove the defaults? Any help would be much appreciated.