iwgunter - vs - Capital One, HSBC, O2, T-Mobile & Wescot

[iwgunter]

I have 6 defaults on my Credit File, they are:

 

[b]
Company         Amount    Default Date    Balance[/b]
Capital One       416       09-05-02      Settled
HSBC             2999       26-11-02      Settled
O2                104       08-09-04       104.00
T-Mobile          132       10-05-02       102.00
Wescot 001        545       29-10-02      Settled
Wescot 002       1246       26-09-02      Settled

I wrote to all the companies on Weds 25 Oct '06 and basically stated that I was concerned about the defaults on my credit file as I don't recall receiving the notices.

[iwgunter]

Here's the response from the first letter...

 

Capital One : No Response

 

HSBC : 02-11-06 : Said debt was passed on so take it up with them.

 

O2 : 30-10-06 : Sent my final bill, can't send anything else as it was by email

 

T-Mobile : 31-10-06 : Don't need to send a default as the CCA doesn't apply to them

 

Wescot 001/2 : 27-10-06 : Said that the accounts are settled - Will only supply to on-going accounts.

 

It has now been 30 days since the first letter was sent out, therefore, I'll be writing to them saying they are in breach of the CCA and in fact commiting a criminal offense by not supplying the requested information within the 30 days I gave them.

 

Capital One: Well, their silence says it all!

 

HSBC: They are the ones who applied the default to my credit file, so they are the ones who have the authority to remove it.

 

O2: I'll pay the bill if they remove the default notice, and I want it in writing.

T-Mobile: Not really sure where to go with this one.

 

Wescot: Is that so? We'll see if you still say that when the court summons comes through your letterbox.

[rosierose]

Hi

 

I'm not quite sure if I'm getting the right angle on this, but was the HSBC defaulted account bought by Wescot and then settled?

 

If the dca bought the debt, then its likely that the responsibility for processing your data would have been passed over too. But, with any settled agreement the contract has been terminated, so a request for information based on that contract wouldn't really be the way to go. If the aoutstanding amount invloved unlawful bank charges you could use one of the standard reclamation templates. If not why not use the DPA templates?

 

I can sympathise with the phone co situation. Orange defaulted me for £100 and then £175 a week later. This, after terminating my account with them 3 months previously, having paid my account in full. They are, of course, completely ignoring me too.

 

Best of luck

 

Rosie

[iwgunter]

Cheers for the reply Rosie.

 

Wescot ones are for 2x HFC loans that I got, 1 for a PC and I can't remember what the other was!

 

The HSBC went to Metropolitan DCA, which I never defaulted on, the default from HSBC is when I didn't pay the original debt back.

 

I think that defaults on a credit file are a good thing, but I think that 6 yrs is too long. 3 or 4 yrs would be best I think.

 

As you can see, apart from the stupid O2 account, everything else happened when I was going through a load of money and home difficulties back in 2002 and they've all been sorted out and paid up in full.

 

T-Mobile have admitted that I don't owe them anything and it should have been stated as settled long ago. I'm going to try and get them to remove it as a form of "compensation".