Hi forum I'm sorry to bother you all but I'm panicking. I have a default which is supposed to drop off at the end of the year (almost 6 years) but when I checked my credit file I noticed that that there were two entries for the same debt/ default. One for the original bank and another for the DCA. The problem was that the default date for the DCA was wrong and much later than the one the bank gave so I stupidly contacted the Credit Agencies to ask them to dispute the date as it was wrong and I gave them the correct date instead. The agencies subsequently contacted the DCA with my dispute (presumably providing them with details) who in turn told the agencies to ask me to contact them to discuss. I haven't contacted the DCA but I'm now panicking. Did I acknowledge my debt by asking the agencies to raise a dispute with details of my complaint? Please help!

Hello everyone, So, back to those reputable lovable rogues Lowell Portfolio.. In September 2011 I obtained my partners Equifax report which showed a debt to Lowell Portfolio 1 for £341.44, dated 10/09/2008, defaulted 21/11/09. OH didnt recognise the debt, Equifax told us it originated from O2. OH contacted O2 by phone on 6th September 2011 to be told they told they could not find any reference for the debt and his ‘normal’ O2 account was completely up to date and always paid on time. They referred me back to Lowell. I then sent a letter to Lowell requesting the original consumer credit agreement. They replied on 8th June 2012 to tell me that “Following investigations we have concluded that the debt is not linked to you. As such we have removed your personal details from our database”. They refunded me the statutory fee. I have this evidentiary letter. I then spoke to Equifax to have the entry removed and Lowell (via Equifax) informed me that only O2 could remove the “incorrect link”. Basically they ech blamed each other. Equifax will not act without theirs or O2s instruction. At the same time I obtained my credit report from Callcredit. There was, as of 15th June 2012, no entry relating to any default whatsoever. Its still to this date not on Experian. We assumed it would go with the deletion of the OHs details from Lowells database. But when we went for a mortgage a few weeks ago, we were refused on the basis of this unsettled debt. We appealed but they wouldnt have it; whilst the debt is still on there they wont look at us regardless of whatever evidence we have. To make matters worse, Lowell have searched the OHs Callcredit file back in October this year, even though the debt was not listed there at the time of their promise to remove his details. Clearly as a last ditch attempt to keep the (now statute barred) debt alive. They have also searched Experian, but not listed the debt. Never any contact with him directly I might add. Surely, in light of the letter stating the debt is not his, we have some legal right of redress to force them to remove the entry and cease the unwarranted searches on his credit file? Any ideas on what to do? I dont want to have to wait a year for this to expire from his file when they cant prove it was his in the first place. I would instruct a solicitor if I thought it would scare them, but they dont seem to behave in a way that would respond to it. As horrendous as this may sound to some, I'd pay it if they agreed to remove the default completely but I doubt they would consider that either! Thanks in advance for your input. Ry

I have an issue with Vodafone. I have a business account and at times had up to 20 different numbers with them. Over time this has been reduced and we sent emails to our account manager to cancel contracts and these were acknowledged and agreed. Like many people, we were pushed into going onto electronic invoices some time ago and they don't even send an email with the statements, you need to login and view them. And the system is cumbersome to use. We were doing a review in the last few days of the current numbers on the account due to a fraud on one number and in looking at bills (we had to request for Vodafone to send these to us), noticed several numbers that we had requested to be cancelled were still active. The first was agreed to be cancelled in September 2011 and we had an email from the Vodafone account manager acknowledging this was to be cancelled. It was not! They have continued charging £15 plus VAT a month for over 2 years. The second was to be cancelled in April 2012 and again, was acknowledged by the Vodafone account manager . They continued charging £35 plus VAT per month for the last 18 months. I spent a lot of time in the last few days going through old emails and communications to prove that we had cancelled the numbers and presented these to our account manager. Today she wrote back to say "I have looked at the emails you have sent over and spoken at length to our customer relations team, as a result we will offer a goodwill credit of £90 + VAT. Which is the equivalent to 6 months line rental, the reason for this amount is you also have a responsibility to check your invoices each month. I have requested the credit and it will be applied to your account in the next 2 working days." The same on the second number "The same as above with the credit being £210+VAT." Extraordinary. It is absolutely black and white that they agreed to cancel the numbers and did not. Yet they are attempting to turn this around onto us and say you should check your bills. Outrageous! We have been spending on average £1500 a month or more for many years and this is how loyalty is rewarded. Incredible. Also, it is not like we have had a lot for our money. We rarely if ever used our hardware fund etc. I am outraged at how we are being treated. Vodafone just don't give a damn and I read similar stories on here and other places so this is not an isolated incident. I don't know what we can do but I will be making all efforts to publicise how Vodafone have treated us. And of course looking to move all our business as Vodafone don't deserve it. RGW

Hi there, Bit of a weird one, My hubby had an egg loan, which became statute barred in March. To cut a long story short it was capquest chasing the loan that brought me to CAG. He did not acnowledge the debt and they could not produce a CCA, and all has been quiet from them for a while.. Now they have written to him to say there was PPI added to the loan and sent him a claim form. Stupid question, (and to be fair I think i already know the answer) but, if we try to reclaim mis sold PPI will that acnowledge the debt and kick the whole process off again?