Hi All, Need some advice, I'm contesting a Cat 6 CIFAS marker on my file by NatWest History In 2012, i was the victim of fraud, which involved fraudulent cheques being paid into my account, then cashed out. I contested this fraud to Natwest, however they rejected my appeal; I escalated this to the Financial Ombudsman, however they sided with Natwest. Now I tried apply for a credit card with my bank (Barclays) but was turned down; this prompted me to investigate (currently have a Credit Expert score of 991 and earn £50k+) as I should have met the criteria. Upon investigating, I found out that NatWest have placed a Cat 6 - Third Party Fraud marker on my file. I've contested this with Natwest, however they believe this marker 'is a true reflection of my credit file'. I'm currently in discussions with the Obudsman regarding this; I either want this marker removed or changed to 'Facility Takeover'. I would love any tips or advice from anyone on how I can deal with this or how I can get the FO to side with me. (p.s. I'm not contesting the fraud as I can't contest this again, this matter wasn't in my original complaint in 2012 as I wasn't aware of it) This marker is casuing me major issues as I'm unable to apply for credit or open new accounts, so the mortgage I wanted to apply for this year is offer the table. Thank you in advance for your help

I was wondering if anyone on the forum had an idea of how long it takes for the Financial Services Ombudsman to finalise their reviews. We had our car stolen in February last year. Our Insurer, Swift Cover/AXA said that there wasnt enough theft damage to prove the car was stolen. They sent an email to the Ombudsman to us by mistake where they stated that they thought me and my wife either crashed the car ourselves or gave permission to someone else who we knew to drive and they crashed the car. Our defence to this is simple - we're fully comp, so if we did crash it, we would just pay our excess and get our money, but apparently that doesnt make a difference. So Swift refused to pay out, so we are appealing to the FSO, but so far, its been over a year.Is this normal?? How often to the FSO look at simple facts like - why would we lie, we're fully comp, so if we crashed it, so what, we still get paid. Also, we are being told that if the claim is upheld by the FSO, we are entitled to 0.8% in compensation of the value of the car PER DAY. So far, that would mean £6000 / 0.8% x 365 = £17520. Does this sound right?

Hi All, Had a Capital One credit card with 200 pounds limit - at one point in 2007 it went upto 220 and over the course of a few months it escalated to 550! i wasn't aware of these charges as i didn't receive most of the paper work - also i was abroad for some of the time... i then partially settled it in 2008 - but was unaware that it will still be set as a default in 2007 and will not come off my credit file until end of 2013... I sent a letter in feb 2012 to the executive response team at Cap1 requesting for the default to be removed as it's ruining my life and that of my family - The amount increased from £200, simply because of the over limit “unfair” fee charges of £20 in addition to late payment charges of a further £20 plus purchase interest and cash interest – all of this eventually added up to £550 without my knowledge. Earlier today i rung them and understood that they sent a letter to my old address stating that this will be their last correspondence with me and any future communication will have to go through the financial ombudsman... and they have now cleared the balance off my credit report and instead of it saying "Partial settlement" which i settled back in 2008 - it will now state fully settled but the DEFAULT will remain till end of 2013... Is there anything i can do here to remove this DEFAULT??? Basically this default is of a small amount has ruined my Life and that of my family!!! Thank you in advance for your help..

Hello all, I ordered a new car which displayed faults and poor build quality upon collection and then I discovered a gross misrepresentation. I rejected the car within 5 days (the faults) then a further 6 (misrepresentation). THREE & A HALF YEARS LATER the car still sits on my drive - the dealer does not want to know and contemtuously ignores me. The Financial Omb. proves to be useless as it makes up its own law and the Sale of Goods/ Misrepresentation Act apparently means nothing - you need to have a case under the SOGA- but then its like judging a beautiful baby competition on the basis of the size of its mother-in-laws feet! A lawyer whom I consulted asked me why I did not "just return the car"? Can anyone tell me how I would have done this without a court order compelling them to take it back? When I took it to them they simply did not want to know and if I had have left it on the street and posted the keys through their letterbox It would still be mine - I would have been responsible for any fines/accidents etc. re the car and would have abondoned my evidence. Additionally, I have heard that the courts do not like used of the "right of self help"! When I bought the car I had not saved the extra £15000 to take the dealer to court so I am now having to not only hire cars etc. but save to pay the lawyer.... Can someone please comment because this attempt to squeeze this consumer is getting me down! Sorry cannot now edit title - Should be Right of Self Help