Hi I seem to remember seeing a template letter quoting Data Protaction Act, on here for PDL companies asking for removal of employer's details from their records. Am I able to do this with an outstanding loan. And if I can anyone direct me to the template. I have been through all the PDL threads and cannot find anything other than template letter with regard to harassment. I dont want these companies to harass me at all. I am going to write to them asking for a repayment plan but want to write the letter requesting removal of my employers details first so as I do not get calls in the office Many thanks

Hi all. In December 3rd my car was removed for alleged parking contraventions. My issue is that there was no court case with no judge and no paperwork was served to me regarding this issue. There was no warrant of execution, I was not summonsed to represent myself in court over this or any matter pertaining to my car or any charges that were on it. I think they have acted unlawfully. Am I correct or can they really do just as they please? I want to contest this as police will not do anything, they say it is a civil case and I should contact the council in question. I have done this and they say they have done everything by the law. I do not believe them unless this is not the United Kingdom anymore. What can I do about this? Can I take them to court over this matter? Someone is now trying to register this car and I cannot stop them. I want to stop this from happening. I want to file a claim in the court, is this something i can do? Thanks in advance. Oz

I'd be grateful if someone could confirm that I am taking the right approach in seeking removal of a default placed on my CR by British Gas. Back story: I moved into rented acc. in 07/09 and received welcome letters for both Gas and Electric acc with BG - I think the letting agency had informed them of my moving in - though bills were in my name. I physically moved out of the property in August 2010 - was advised by letting agency to leave forwarding address with them to close down utilites - (1st time renting -know now its my responsibility to let utility companies know the former). The letting agency did inform BG of my move and forwarding address but on 5 October 2010, and BG sent a final bill on 14/10 by which time I had moved from the forwarding address. It looks like BG have let the Gas acc go (£16 owing), but the electricity acc was defaulted in April 2011 for £157 - I immediately settled it, with a debt agency, upon discovery on my CR (March 2012) - the default is registered by BG. I have written to BG requesting to the see a default notice, but they are of course not CRA regulated. I was thereforefore thinking to set out the above and see if they will remove the default - maybe also quote something from the DPA.

I have noticed a CCJ on my Credit report and i am sure i have paid this off years ago, i dont recieve any mail about any CCJ's, i have called northampton court but i need proof off payment, i dont even know what it is for, is there any way i can find this out, the bank acount that i would of paid it with has been closed for years now, any advice appreciated.

Gents/Ladies, Just dropping a quick post to link a thread to my own up till now an unknown default raised by Vodafone. Going back 5 years I was a customer with VF, like many once it came to renewal I opted to change provider (moved to o2) and forwarded on my notice to cancel prior to this date and followed up with a brief call to let them know. Over the following month or two I received letter stating that they were happy to confirm my renewal, all of which I queried and was told they had not received my previous letter or had any record of my call. As requested I provided details of my new contract and was assured they would backdate the cancellation as per the date of my alternative contract and remove the balance. I heard nothing else and had assumed (1st mistake) that this was the end of it, bringing us up to date, my partner and myself have been looking to purchase a home together and after the stress of hunting to find somewhere suitable for us both, agreed upon a verbal offer. During our application for a mortgage I was continually declined, and upon an Equifax credit search I discovered a default claimed by VF for this account dating back to 2008. Understandibly furious I had no knowledge of this (Previous searches using Experian showed nothing) Unfortunately after several failed attempts to explain this matter to VF staff via the customer helpline to assist in removing this, they were both unable to assist and unable to comprehend the seriousness of this matter, simply stating that I must be mistaken as they are unable to find any record of my account? Feel like I'm going round in circles attempting to speak to a supervisor that is not available to take my calls/unable to pass the call as they have no record of me. Hoping posting here can get some assistance. Have already followed request to VF [#11151054] fingers crossed.

Help, please...I need advice. The bailiffs have 2 council tax liabilty orders on me. The bailiff said I could still make an arrangement with them if i paid £190 immediately and they did a walking possession on goods. I did as asked and sent the forms off with an offer to pay £100 per month. I've got a reply saying that I have to pay £250 on each order per month. I am unemployed and not entitled to benefit, my wife only earns £860 per month. My rent is £340 per month which would leave us with £20 per month to live on. The first payment is due next week. I've resigned myself to losing the few things we have of any value, such as the tv.. .even though the value of all the items is probably less than 1/3 of the debt. Can anyone help me?

Hi There, I had a CCJ issued against my business (a LTD) back in 2006. the debt was paid in full direct to the suppliers but i have noticed on the company credit report, the CCJ is still shown as 'unsatisfied' i am aware that the CCJ will be removed from the credit report after 6 years (april 2013) However is this still the case if the CCJ is still marked as unpaid? i would appreciate any advice Many thanks

i have recently been refused a mortgage, after checking my credit file i have a default on file from vodafone. this default is showing from 2007 and is all up to date and been paid off in full. i have contacted vodafone and they can not seem to find my account and im assuming this is because its an old account. I really need to sort this out as it is now stopping me from buying my new home. i'd appreciate any help on this matter. Kind regards Marc

Hi CAG'ers, Following being away from my rented property and letting it to tenants over the past 5 years, I came back to the UK in March 2010 and moved into my flat. The council chased me for previous years CT and issued liability orders for those years. I told them that I am keen to pay and on receiving the Income and Expenditure Form said that I could afford £200 p.m. They said that they wanted full and final payment due to the sum and as I could not pay fully, they handed the case to Equita and they asked me to pay 400pm which I refused as I could not pay other exigencies at that rate. I have been paying 200 p.m (to Equita) for the past 4 months and spoke to them on the telephone and they said that I should continue paying, however the baliff action will still continue. I have been receiving letters on a weekly basis with 2 site visits 'Delivery be hand - Payment due in full-24 hours' being the latest one, however they stood outside and posted the letter through my box.. They cannot gain entry into my flat as the block (3 flats) is very secure, however I do park my car about 15 mins walk away now. However, I want to de-escalate the situation... Can the baliffs force entry through breaking locks to gain entry, as the last letter said that they will 'remove goods in my absence' ? Can I now start paying the Council directly instead of Equita? Can I lobby the head of the Council re: attempting to agree a repayment schedule? Can I take the issue to court and voluntarily agree a schedule of payments of £200 p.m? Are there any other options in terms of debt arrangements that I can take up that will not adversely affect my credit rating? Thanks in advance Tony

hi today i received a letter from marston group ordering to pay £640, and client is hmcts south west london 123, i dont know the client and i have never done anything wrong, my name on the letter is half wrong, some of the spellings are missing or some replaced, can someone help me what should i do? HMCTS is proably a court, is the client really is hmcts or marston group are lying? shall i contact the court/hmcts? i have never received any letter on this name or on my name. i am good guy and never done anything wrong please reply asap , thanks

Hi all, firstly can i say that i am a complete "noobie" to CAG and its forums so please go easy on me. Also i have been reading with great interest some of the posts by other users and find it very encouraging to see the comprehensive level of knowledge and advice offered with regard to consumer issues. Anyways here goes; After looking into my credit report with Equifax i find my credit score to be not very impressive and landing within the "fair" category. This is not good news at all. the reason for such a bad rating is i have a "default" marker relating to an old Barclays account which is no longer open. The amount is for around £300 back in 2008 where i had a series of DD's go out of my account at a time where i was struggling financially. The default is shown as settled a few months later but never the less the marker is there. All of my other agreements are shown as being in good order and up to date (everything showing green and saying excellent under their summary status) I am 24 and in regular employment (5 years same company) and have lived at the same address for many years being on the electoral role. Obviously this default from back in 2008 is making a mess of my credit score and in turn ability to obtain credit from the mainstream lenders. what are the chances of getting this default removed?, given that it is (a) Not a huge amount (b) Settled © From an old account closed back in 2008 (4 years ago) Any suggestions and advice on how to tackle this would be greatly appreciated as it causing me significant stress & sleepless nights. Many Thanks Bigtommyxx

I amgoing to submit the information below on my N244 application to the County Court, tohave a CCJ removed. Please would forum members have a look over thisinformation and let me know whether you think my application will be successful? Thank-youin advance. Please accept this application for the County Court to remove the above County Court Judgment from my credit file history, this by having the Judgment set aside. Below I will give the grounds for this request. I was not residing at the address that the original summons was sent to. Please find letter from XX XX XX enclosed. This letter provides evidence that I was residing at another address (XX XX XX). As such all correspondence for me was been sent to the wrong address. The paperwork was forwarded to me leaving only limited time to complete the County Court paperwork and return it to the Court. I do not feel that I had adequate time to represent myself within the paperwork which I submitted to the Court. If I was able to represent myself adequately at the time I would have made the Court aware that my debt with Lloyds TSB was for approximately £111.05. The final amount was £221 which included Court fees. The original amount owed to Lloyds TSB was for accumulated bank charges, which I was contestingwith Lloyds TSB at the time. The County Court Judgement was then recorded on my credit file for six years and I received a letter titled ‘Judgement for Claimant’. It was my intention to wait the six years for the County Court Judgement to be removed although I recently acquired a new employment position and the County Court Judgement is beginning to adversely affect this opportunity. It is of note that I have paid off the amount in full on 08 January 2010; as such it is recorded as "satisfied" on my credit file. Please find Certificate of Satisfaction enclosed.

Looking for some help to see if I can get a default removed. I have an old default that will drop off in April 2013 as its then over the 6 years. It was satisfied back in 2007/8. The original default I was not aware of until a year after it had been issued, so was not given the chance to sort it out as it all happened at a time I moved house and it was a credit card that was used by my husband at the time - silly of me to leave it and not cancel - I just forgot it was there. He ran up £800 on it, found out a year later after a default was on my file as a debt company contacted me via finding me on the voters role - as soon as I received this I settled the amount direct with the card issuer. (Halifax) I have written to halifax over the years to request a copy of the original agreement - they fob me off and to date have been unable to send me it, I have asked also for the notice of default to be sent as again I never saw this - I have read in various places I might have a chance of getting it of that little bit sooner if I request documents and if they can't produce they have to remove. I could be getting this wrong and to be honest I don't know if this is true? Halifax pretty much say the debt is so old they dont hold the file - its now under their other company we all know as Blair Oliver and Scott (BOS) they tell me the same, there is no debt it has been settled thats as far as they will help. I know it only 6 month for this to drop off. But I am having serious issues with work due to this being on my file. I do not have any other things on my file that would be bad credit - this is it. If anyone has any ideas on ways I could get this off faster than waiting on it dropping off - I really would appreciate it. Thank you in advance.

Ok, earlier today I was in a bit of a worry because of this Equita bailiff notification I received due to Council Tax money I owe. I made the mistake of ringing the MOBILE number given on the letter. The guy told me I owed certain amounts which I thought were massively disproportionate. He wanted to pop round mine to 'discuss the debts.' So I decided to leave that, because it felt dodgy. I rang Manchester City Council (whom I had called earlier and they had told me to contact the bailiff, which I'd done, unfortunately) and said I wanted to pay what I owe. I paid the sum to the Council, got my receipt reference number and whatnot. So the KEY debt is out the way. However, I go downstairs (I live in an apartment block) to go to the shop and find a NEW hand delivered letter by the door from the same guy I'd spoken to on the phone before. It reads like this: "BAILIFF REMOVAL Payment due in full - 24 hours I have attended today with the intention of removing your goods and chattels as are necessary to discharge the outstanding Council Tax Liability Order and any additional ENFORCEMENT COSTS incurred. No further arrangements are acceptable and payment is required in full in clear funds only. I will re-attend at your address with immediate effect and may REMOVE goods even in your absense. Should you wish to avoid this distressing course of action, contact me immediately on the telephone number below to arrange prompt payment of your debt. No contact will be taken as your refusal to pay." --- I've paid my Council Tax debt now though! What do I owe to to these bailiffs? Phantom visits? The guy didn't even ring my apartment buzzer. What course of action should I take to resolve this?

just had a call from my wife that a hce visited the house and attached a notice of seizure and inventory the debt is for a company registered at the address but they put my wife vehicle which is in now way associated with the Limited company as being seized need urgent help how do i proceed

I have phoned on several occasion regarding removal of a default from Experian. I had an account with vodofone at my previous address which was kept up to date to my knowledge, i have currently aplied for a extended mortagage which i have been denied d ue to this default which was brought to my attention for the first time. I have paid this off imdeatley as soon as i was made aware. VODAFONE assured me that this would be cleared from Experian and i would no long appear on that site as a default or be on experian at all, however this has not been the case. I have once again chased Vodaphone and they have said to contact yourselves in order to do this. I would apericate it if you could attend to his as a matter for urgency as i have been trying to get this resolved for 2 months now. Kind regards Isobel Lloyd

I wonder if anyone can help, Back in 2008 i struggled with payments to vodafone but i eventually cleared my balance in 2008 of £300.00, I have just looked on my experian report to find Vodafone have defaulted me with a balance of "satisfied" I had no letters to say why? I now have to wait another 2 years for removal but i am recently married with two small children and very much wanted to apply for a mortage, This is the only late/Default on my credit rating everything else is all up to date . This is really getting me down, as i did pay the balance back in 2008 yet i have to wait 6 years for this to be removed, Is there anyway or advice to help me get the default removed? Thanks in advance

I've used my builder.com before and it was great, when I saw shiply.com I thought it might be a good idea. I posted my job for a full house removal about 6 weeks before the moving day. I talked to several companies asking lots of questions, being honest about items I didn't feel would be reflected in the shiply inventory. I choose Noasim removals, arranging the proposed move date (obviously we hadn't exchanged so ti wasn't final) and that they would come the day before and pack. Shiply asked that I pay a deposit on agreeing the quote of £112, which I did. I spoke with Noasim a couple of times up to the date and was told there were no problems and not to worry. Their reviews seemed good on shiply too. The week before it started to worry me, they didn't seem to remember the job, then when they did they changed it from a 7.5 tonner to a luton box, which I said would not be enough, then they said they wouldnt pack the day before but first thing 7am in the morning. This concerned me greatly and when I spoke with the company there were alarm bells, the girl in the office said that Noah didn't talk about money with her and would only accept cash, and then digging around I saw that while Shiply said they were insured, infact they only did that on request. On the day, after a sleepless night worrying, Noah had his phone turned off, They didnt' turn up, they were coming from Swindon (3 hrs drive away) and at 9.30am eventually I got hold of them, we are in a chain and so had to be out by 2pm. He hadn't left, lied about the vehicle, about where he was etc, told me I'm being over the top! He would not have been there till after lunch, if at all....we had no choice but to hire 2 luton's ourselves, pack everything and by boxes in about 3 hours....it was exhausting and so stressful...they were classic cowboys. But when eventually BT set up our phone we called shiply only to hear that if I wanted a refund it would have to be in 28 days from the quote - that was before our move date!!!! And then when they did refund it was to a shiply account - I will never ever use that company again, it's a removal company NOT a consumer goods company so effectively they stole my refund! I was amazed that after the awful experience with a company that they put me onto they would be so unreasonable. I guess they could say there is some small print but both the 28 days from quote and refunding only to a shiply account mean that cowboy removals loose nothing by stitching you up, and I wasn't able to put negative feedback to warn others! Worse still, it is unmoral and downright sneaky way that shiply try to keep your deposit, personally companies that use those tactics make money are shameful. Let customers pay for honest services and when they are let down then refund them. Hell, I might have used the company again, now I'm telling everyone I know to avoid them like the plague.

Hi all, Some advice needed please, I have looked into my situation and seen so many conflicting arguments... I came home today to a Removal Notice from Marstons. This relates to an unpaid speeding fine SP30 that I forgot about and went to court - total fine £269 which i was paying at £60 per month. I had £69 outstanding and a missed payment as I was away on holiday and apparently HMCS issued a distress notice to Marstons last week. I phoned the courts today and they accepted the final payment of £69 and they said the debt was paid in full, they gave me an authorisation code for the final payment. They also said they could not help with Marstons fees. Now, marstons removal notice says I owe £300 costs and £69 outstanding court fine (£69 now paid) (They would be a letter fee and a visit fee no doubt from looking at their website.) Are they allowed to continue to threaten removal of goods for this outstanding amount (£300 of their fees by the looks of it) as the original fine with HMCS is now paid? Also the fees are more than the original fine total and much more than was outstanding when the distress notice was issued... So much contradicting advice out there I thought I should ask on here for clarification. Obviously I would prefer not to pay anymore over this massive mistake that was unfortunately forgotten about when it was only a £30 speeding fine! Cheers

Hi guys, I had a default placed on my credit record from Lowell regarding a phone contact with Three that I havent paid off. The default was placed 14/03/11. I have written to Lowell to proove that I am the debtor and if not to remove the default, using the following letter. Dear Sir/Madam Ref:******** You have contacted me at my previous address () regarding theaccount with the above reference number, which you claim is owed by myself. Ialso note that a ‘Default’ has been placed on my credit report by Lowell dated14/03/11. I would point out that I have no knowledge of any such debt beingowed to Lowell. I am familiar with the ‘Office of Fair Trading Debt CollectionGuidance’ which states that it is unfair to send demands for payment to anindividual when it is uncertain that they are the debtor in question. I wouldalso point out that the OFT say under the Guidance that it is unfair to pursuethird parties for payment when they are not liable. In not ceasing collectionactivity whilst investigating a reasonably queried or disputed debt you areusing deceptive/and or unfair methods. Furthermore, ignoring and/ordisregarding claims that debts have been settled or are disputed and continuingto make unjustified demands for payment amounts to physical/psychologicalharassment. I would ask that no further contact be made concerning the aboveaccount unless you can provide evidence as to my liability for the debt inquestion. I would also ask that the Default placed on my credit report isremoved. I await your written confirmation that this matter is now closed. OtherwiseI will have no option but to make a complaint to the trading standardsdepartment and consider informing the OFT of your actions. We look forward toyour reply. Yoursfaithfully I have sinced recieved a letter from Lowell stating "Upon further investigation, we must advise that there is inconclusive evidence to prove that you are our debtor." "Your personal details have been removed from our database". There is no mention of the default. How should I progress forward in the hope of getting the default removed? Should I contact Experian and Equafax or should I contact Lowell again. Thanks

Hi, Until 2 months ago I was being chased by Lowell for a small CC debt under £400. I CCA'd them but they didn't have a copy. I placed the file into dispute and had a letter from Lowell saying that they had closed the account. On the back of the letter it says that they will remove the default but this will take up to 6 weeks. 8 weeks have now passed and the default is still on my file. I want to write to Lowell to ask them to remove it as promised. Is there a template for this, ie should I go in softly and ask nicely or do I need to ask them to stop processing my data? Only spanner in the works here is that I have another account with Lowell which is currently ongoing. Any help would be great Thanks

Hi there I was reading Phantom's post with interest as I had a similar question niggling at me for weeks although his post has answered my question. To cut a long story short, I had a small debt of £250 which I hadn't paid since 2007 but despite receiving letters from various credit agencies who subsequently passed the debt onto others, I was defaulted in November 2011 which showed on my credit file. Now last month I received a Judgment for Claimant (in default) from the court and as I thought the statute barr was from the time it's defaulted on your credit file (ie. Nov 2007) and as I need to get a mortgage, I thought I'd pay in full within the stipulated 30 days in order that a CCJ wouldn't appear on my file (I figured I could not wait until 2017 for the statute to expire). Well, of course, I now realise that this doesn't make a blinding bit of difference as banks discriminate on defaults irrespecitve of its settlement on your credit file so is there any way I can get this default removed from my credit file. Do I have a case or can I write a grovelling letter to the credit agency to kindly remove as considering statute would have been 2013 until it fell off my file, I duly paid the amount owed as I'm a conscious citizen blah, blah, blah??? This whole incident is really stressing me out! Thanks in anticipation.

Hi All, I’m after some advise. I have recently paid for both credit reports from Experiean and Equifax. Both have good scores however I have one issue stopping me from obtaining credit I am looking for. Back in 2009 I got a default for the amount of £129. I paid this straight away however it is still on my credit file (stated as satisfied) however will still be on there until Feb 2015. Everything else on my credit report is down as excellent bar this which is recognised as being very poor. I’m doing all I can in writing to the carphone warehouse to get this removed however struggling at present. They are saying to me they will be breaking the law. As I understand they wouldn’t be breaking the law and is down to their discretion. Any advice on how best to move forward and get this removed? Cheers, Charlie

Hi Guys, I was wondering if any of you could help with my current situation..... I had a default issued against my account in 2011 following a change in address and despite me calling and informing Argos their records werent updated. After a mix up with HSBC and missing 2 payments and receiving a letter from the idiots at moorcroft I paid the debt off in full promptly. Im currently in the process of trying to get this removed so as instructed in various other forums I sent a letter politely requesting that this be removed for a variety of reasons with a copy of my credit report (which is pretty much faultless bar the default). This letter was sent over 8 weeks ago now to the underwriting department at home retail group, ive still had no response so I gave them a call to see if the letter had been received about 2 weeks ago. After being bounced round from department to department it turns out the letter has been passed onto the collections team, the person who apparently deals with these kind of queries is off sick. So i left it another 2 weeks and called them up thursday just gone and was told a manager would be contacting me to resolve the issue....guess what....no call back!!. So once again ive called this morning and being fobbed off big time and told to call back in a couple of days!! So....what do I do next? Many Thanks Sam

Have a disputed debt which was being chased by Link. They breached several OFT guidelines, including data protection, and I reported them to FOS. They told FOS that I was no longer a customer and FOS dropped the complaint. Link are still registering the debt on my credit file, can I make them remove it as they have stated in writing that I am not a customer of theirs? Grateful for any views.