Please would any member be able to assist with the following issue that I am having with Clydesdale Finance who have changed a default date with Experian Credit Expert which has greatly affected my Credit file. The issue is: I had had a debt that should have expired 04.01.16 after 6 years, I was eagerly awaiting this to enable myself to move forward with my own financial plans. I recently checked with Experian Credit expert to make sure that my score was still at 999 and that the expected bad debts would disappear from my personal report. I was amazed to see that my credit report score had drastically dropped to 734 barely over the poor mark. I duly contacted Experian to find out what has happened. Experian contacted Clydesdale on my behalf to be informed that I personally would have to contact them to discuss the matter. This proved to be impossibility as I could not find any information as to the contact numbers I would need to contact this company nor could Experian provide me with a contact number saying that they will only accept written contact. On the advise of Experian I duly wrote to them on the 22.02.16 asking them for an explanation as to how and why they have changed my personal financial data with Experian. I provided screen shots of the original default dates that were applicable which was 04/01/2010 which should have expired off my personal credit file from this date. To date I have not even had the courtesy of an contact/acknowledgement of my letter which was signed for and duly received. My questions are: 1) Can a Finance company operate this way legally? 2) What should I now do to move this forward 3) Can I take legal proceeding

Hello! Last summer I paid off the final amount on a Barclays Partner Finance agreement, for a camera I bought about 10 years ago from Jacobs (I was paying off a small amount a month after an initial large payment and closed the account by paying the last £90), I just called up Barclays and the lady was really nice and I paid off the account then got a letter stating the account was closed and had a balance of zero - phew! A month or less later I started getting letters addressed to me at my parents house in Northern Ireland (I used it often as I was in a different rental house very year in London and travelled quite a bit). They were from Apex credit saying I owed over £3K on a Barclays Partner Finance account. So I called Apex and they couldn't tell me any details of the account (and were very rude), so I called Barclays Partner finance but they wouldn't give me any details because I couldn't give the right postcode (I have lived t about 20 addresses over the years). So I came on here and after another threatening letter from Apex- saying that I hadn't contacted them when I had been on the phone twice - I sent a letter to Apex, requesting account information for the money they were chasing. I got yet another exact same letter from them saying that they are pursuing me and unable to contact me (even though I had sent a letter - and changed my address to my new house), so I called them just before Xmas. I asked again for information for the account, saying it seems very weird to get a request to pay a similar amount from the same lender and for, it turns out - Jacobs cameras... but for a different account number. They said they were unable to provide the details, they have since said that I need to send them copies of my bank accounts with relevant details blanked out, but evidence of me paying the account and a final statement from Barclays - which I did - along with a lett of complaint. That was December, I heard nothing until yesterday when I got a letter saying that they were handling my complaint and would get back to me as soon as it was resolved BUT it still had the £3K outstanding at the top of the letter. Then today I got a text message asking me to call them straightaway - should I call them? I am currently working part-time and part-time post-grad studying. When I applied for a loan to help me pay the fees last year I got refused even though experian had me down as a 99% all round good egg borrower... (I requested it after getting refused as the only debt i THOUGHT i had was my £2K overdraft.) I am currently living in my now £2.6K overdraft from Halifax and only get paid £900 a month, so can't see a way out of it or any way to even pay them a little bit. It has kept me awake at night and I feel a bit sick when I think about it. I haven't the means to pay a debt of that size. There's only one possible thing I think it could be, I got a replacement camera in about 2005 but I thought it was added to the Jacobs account I already had, and thought I was paying off ever since. It seems weird tht there is only a problem now.... what should I do next? thanks in advance for your help!

Hi, Hope this is the right way of doing this. I have read the notes .... but. Some time ago I got behind with payments to Barclays PF. Instead of contracted payment I agreed to pay them a reduced payment which I did. Then late 2009 I got a letter offering me a "Discounted" settlement. The discounted rate was stated as @ the equivalent of two months of the agreed reduced payment (or @ 1% of the outstanding balance). Later when they realised that I was no longer making my "agreed payment" they bombarded me with phone calls. I just used to tell them that I had settled it (the loan) as per their Letter dated XXXXXX. They always played "dumb" to the contents of the letter and claimed they didn't keep copies of "Computer Generated" letters to customers. After a while of repeating myself I no longer took the calls. Some months passed and they would occaisionally send me letters telling me how much I owed them and one day I answered a call by accident but just repeated my usual phrases. The girl on the phone said that I couldn't possibly think that I had settled the account for such a small figure to which I replied "I have settled it in accordance with your letter of XXXXXX and then hung up on her as the conversation was going around in circles. Sometime last year they sent me what I think was a "Notice of Default" (sorry I can't find this at the moment. I won't have thrown it away but its not where it should be filed) that I ignored. In the first post after Christmas day I got a letter from BPF telling me they had assigned debt to CQ and a letter from CQ telling me I had 14 days to make arrangements to pay them. They followed this up the next day with a phone call (from South African callcenter??) with a very agressive lady threatening me with all sorts of things if I didn't pay her over the phone. When eventually I could get a word in I stated the usual "I settled this debt with BPF as per their letter dated XXXXXX". She was unimpressed!!!!! and told me to send a copy of letter to CQ at address on letter within 14 days. I have not done so. I have now recieved a letter which is titled : Letter of Claim under the Practice Direction - Pre Action Conduct I have not yet replied pending guidance Apologies for length of this initial contact. Kindest Regards

This is really interesting. I bought an iMac from the Apple store - at the time, I thought I would pay for it through the BPF option instore. The paperwork was formulated in the store and was referred. I was told to call back in an hour and they should have an answer for me. I carried on shopping elsewhere and returned to the store for checking up reasons! It was approved. Anyhow, I left the store with shiny apple product and paperwork in hand. Credit agreement duly signed and receipt attached. So, some months on I thought I would ring and pay it off. So...... I gave my agreement number to the phone operator and they have no record...... How is this possible? Now the naive amongst us would argue great! A free bit of kit. I'm all the more cynical regarding my credit file - however, on credit expert there is no record of any agreement ever being started. No search, nothing. I'm inclined to keep my mouth shut but things rarely pan out that effective do they..... Is this something that may have happened to anyone else? What would you do? I'm honest and would rather settle up than have this come back on me at a later stage........ in the digital age, things are rarely 'lost'.

I wonder if anyone can offer me some advice. I applied to start training with the instructor college back in summer 2007, as my credit wasn’t great my Mum agreed to sign as a guarantor for the interest free finance with Barclays to pay for the course. We later realised this wasn’t actually a guarantor contract, but that she had signed completely for the loan. I attended my 2 first lessons at the college before choosing to leave as I felt they had given us very misleading information in the welcoming tour and the course did not suit my needs. I was told it would be easy to fit around my part time working schedule, I could complete it within 6 months and then be earning £30,000 a year, all of which was very untrue. The course was so overbooked I had to book each session 3-4 weeks in advance which could not work. So I began writing letters to them to request withdrawal and cancellation of the contract due to the course not being fit for the original purpose described to me. And of course they ignored me for some time, before replying with an unreasonable letter which basically said NO. Few years down the line, things are not so great. After the 12 months interest free period was up Barclays finance literally doubled the amount from £3495 to £7000, it was a very dodgy and unfair contract we later realised but we started to pay it. Unfortunately I had become a victim to my own young naivety and drawn to the unrealistic lifestyle they sold us. We stop paying as I decided we should dispute it. Now they have sold the debt onto Cabot who are sending my Mother threatening phone calls and letters. Before the debt was sold I originally asked the college to provide the original contract as advised by a friend, but they throbbed me off and after speaking to a secretary on the phone I realised they didn’t have it. I am wondering how much power this will give me? I want to resolve this as efficiently and effectively as possible, as it involves my Mother’s name. Thanks to the advice I’ve got so far on here I am learning how to deal with this. I have prepared a CCA letter to Cabot, in the meantime I was wondering if anyone can spare any advice on how I can challenge this debt. If I were to accept it I find the added interest incredibly unreasonable and am not willing to pay it. But I also want to challenge the original lending for £3495 for the same reasons as above. Does anyone think this is achievable? Any advice you could offer would be much appreciated. Thank you so much for your time, Pure x