Hi everyone, moderators - please move this post if I have posted in the wrong forum. I have discovered that 1st direct have registered a default against me, in 2014, for a Barclaycard debt unacknowledged since 2003. I only found out when I was turned down for a bank loan this year (from a bank where I've had my current account since 1984!) Having read these forums, I realise this isn't that uncommon, although it seems completely immoral and unethical to me. I have submitted a SAR to Barclaycard, but they have said it will take up to 40 days to reply (and to ring if it still hasn't arrived ....). My question is; what is the quickest way to restore my credit record? Thanks in advance to everyone who replies, I appreciate how much people on here help others for no (financial) reward, I feel it's a triumph of the human spirit against a system that is loaded against the individual.

I am thinking of applying for a mortgage this year, so thought it would be good practice to check the old credit file. I found that a default had been lodged on my Call Credit file for £5,650.00 by "Barclays Partner Finance" ( default date has been set at 11/05/2011 ) when I am sure they have changed the date of default forward, as I defaulted on that loan way back in 2008. But on top of that, they forwarded that same debt onto a Debt Collecting agency called "CapQuest Investments Ltd" who have set their own default for the debt - Date 31/12/2009 amount £5,961.00. I am not sure if this debt has been sold on to CapQuest, or if they are just acting for Barclays Partner Finance, but in any case, is it legal to lodge 2 defaults for one debt? The default lodged by CapQuest, is on all 3 credit reference agencys, but the default lodged by Barclays Partner Finance, h as only been put on Call Credit, either way, my chances of getting a mortgage with even one default is remote I think? I just need to know what the best way forward is going to be for me? I have read somewhere on the forum, that people have managed to negotiate with the Debt Collection Agencys to remove the default by paying off the debt in a lump sum, and if this is possible, then would I be right in saying that, Both companies would have to remove the default, if the original company holding the debt agrees to remove their default? Many thanks, in anticipation!

Hello, does any1 know if a bank can transfer a credit card balance to a higher intrest account after you have defaulted the card.?

I have a cashplus pre-payment mastercard. They even gave me a £100 overdraft. I used the overdraft and i ran into financial difficulties. They sent me a Default notice served under 87(1). The card is back in credit after about 8 months of receiving this default notice and no Default has been registered with the credit agencies. My question is: Can cash plus issue a Default notice just on the overdraft and register the default with the credit agencies. I know this is all academic but just interested to find out Thanks

This is realy starting to annoy me, i have microsoft office 2010. i have it set as a default for english UK. The problem is that when it goes into the auto correct mode, its back to english US This seems to be a glitch just when it goes into auto correct, anyway of setting auto correct by default into english UK

Hi Everyone, I know this is my first post and it's asking for help, but I promise to help others learn from my mistakes and contribute to the forums. Anyway, in mid-2007 I lost my job and decided it would be a good idea to ignore all my debts. Bad move. Since I defaulted in 2007 with ALL my accounts, I applied for a copy of my credit report from Experian to see when exactly my defaults would 'drop off' my report. The first issue is Welcome Financial Services. This started as a HP for a car at £235 monthly, then in mid-2007 when I lost my job they said 'no problem, we can bring the payments down to £118pcm - just come in and sign the forms'. Obviously my naivety got the better of me and I didn't check what I was signing. Anyhow I paid that for about 3 months and the ran out of money and defaulted the account. Checking my experian report it says date of default is 12/2011!! They have been adding late payment markers since 2008. 1. Can I get this fixed? 2. If I contact them now, will they hound me for the debt (although I accept that I owe it) and possibly register a CCJ with another 6 years to go, seeing as I'm a student and definitely won't be able to afford the £5k..? 3. Where others have defaulted my accounts, they have sold them onto DCAs with the account added to my file, how come there is the Welcome default and no subsequent DCA account showing? Possibly looking for me still? 4. If they do fix the default date - will the clock start from the amended date? Next up is my old Barclaycard, which is now on my file as Lowell Portfolio. They have defaulted me on 08/2009 which is incorrect as I defaulted around 04/2007. Can I get this amended? The last is a CCJ that I didn't know I had. It was from an address I was living at for 6 months and the CCJ was registered when I left! It was for £399 and to Skycard, done at Northampton CCBC. This was in 12/2008. What's the best way to go about getting this settled? I have looked into getting it set-aside but it seems that not giving a new address is not an excuse and I won't be able to go down this route. I have 2 more defaults which are my old bank account which is £3k and with Cabot Financial and the other with Arrow Global for an old contract I thought had ended, there was 1 month remaining, default of £120! What's the best way to go about this? I fully appreciate that I need to take responsibility for my debts and I am committed to repaying anything I can afford but I don't want to start a wave of CCJ papers coming through the post and then having to wait another 6 years for those to fall off. As I said I'm a mature student doing a BA and only receive a student loan, so I have no spare income. I cannot get ANY basic accounts and haven't had a bank account since 2007. I have to get my Student finance paid into my parents account and go from there. Even Tesco declined me for their Savings account... Please help

I have spent the day reading all of these threads about MiniCredit and how they have treated people when they've defaulted on their loan. I will owe £589.90 (incl interest) next Sat and do not wish to attempt to roll over the loan again. I have already sent them three emails in the past two days to ask how their partial repayment works and was shocked to discover all of those additional charges they add on a daily basis. I got their usual standard uncohearant reply: Dear xx On the 1st day overdue £25 penalty will be added and on the 3rd day overdue a second penalty of £55 will be added. On 30th overdue day £100 will be added as a debt expense recovery fee. The interest and the overdue charges such as attempt fee\'s will be added daily according to the Loan agreement until full repayment. We accept partly payments You make on Your MiniCredit.co.uk account, but we do not freeze the balance. You have the option to make payments of any amount 24/7 on Your MiniCredit.co.uk online account from third day overdue.The settlement or settlement plan must be discussed only over the phone with customer support agent and after Your account gets overdue." And here are one of my replies so far to them: I am fully aware of your additional charges that you continue to add: 1) £25 on 1st day and £55 on third. 2) Daily ongoing Interest charged at 1% 3) Daily £5 charge for attempting to take funds from account 4) £100 after 30 days for debt management Since I can demonstrate willingness to make frequent reasonable partial payments, I insist that these additional charges are completely waivered at your discretion - especially since I am contacting you in advance about this to show goodwill. I wish to settle my loan as quickly as possible by making these partial payments since this will prove a more efficient repayment method than rolling the loan over. I believe these above charges to be legally unreasonable (especially 2,3 and 4) and by law I'm only required to pay the original loan amount and one month of interest. As a customer who has notified you in advance with a solid plan of repayment, I would like a personal response of how we can proceed with my loan/account with you once it becomes overdue. I want to know if I can do anything proactive before the 9th so to completely prevent them continuing to add daily interest/card attempt charges etc once I'm in arreas. I have written an email to the FSO and understand the importance of communicating at all times in writing. The thought that they could still automatically take money from my account even if I were to cancel my card really panics me and I don't want to have to set up a new bank account. I am trying to show my willingness to pay back the original loan and interest by making contact with them in advance. I am obviously not prepared to pay any of their additional charges that they will continue to apply (no matter how much I partially pay in regular frequency.) I am on benefits due to a long term ongoing related sickness - would this work in my favour in terms of making repayments if passed on to a DCA? I also live with my parents so don't need them potentially accidently opening a demanding letter from Minicredit etc - even worse someone turning up at the door! It seems almost more convinient for them to immediately pass my debt over to perhaps OPAS who may agree to a flexible repayment schedule without anymore additional charges. I know they are linked but is this worthwhile to try approaching them independently by email to explain my debt and suggested repayment plan? Many thanks to those who contribute to this forum - it has helped me to start undertstanding how this PLD company works. I would very much appreciate any help or support that people can offer. Thanks Welshy