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I wish i had known about CCa's I paid off a debt before christmas because of phone calls frightening us to death. There is still a defult on my husbands credit record can I get it removed?

 

Thanks

Won NatWest. Bank charges returned £2,500 November 2006

 

S.A.R - (Subject Access Request) Littlewoods April 2007

Ombudsman complaint July 2007

Littlewoods admit no CCA agreement

Refuse to refund PPI

Letter to TS August 2007

 

SAR Lloyds August 2007

CCa lloyds August 12th

SAR and CCa Halifax 12th Aug

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If there were charges on the debt then start claiming them back, and if the default is made up entirely of charges, then include default removal as part of your claim, and do not accept anything back without agreement that the default will be removed too. If that means going to court, then stick it out as it's likely the organisation won't want to go.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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can i send for SAR with just name and address as reference or do I have to find the account numbers............my husband didn't keep anything.

Won NatWest. Bank charges returned £2,500 November 2006

 

S.A.R - (Subject Access Request) Littlewoods April 2007

Ombudsman complaint July 2007

Littlewoods admit no CCA agreement

Refuse to refund PPI

Letter to TS August 2007

 

SAR Lloyds August 2007

CCa lloyds August 12th

SAR and CCa Halifax 12th Aug

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Share on other sites

They should be able to find everything without account numbers.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks CARO

 

I am beginning to get the hang of this, just very nervous to do the right thing

Won NatWest. Bank charges returned £2,500 November 2006

 

S.A.R - (Subject Access Request) Littlewoods April 2007

Ombudsman complaint July 2007

Littlewoods admit no CCA agreement

Refuse to refund PPI

Letter to TS August 2007

 

SAR Lloyds August 2007

CCa lloyds August 12th

SAR and CCa Halifax 12th Aug

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Share on other sites

Just read all you can, and if you aren't sure, ask questions. It gets easier, and if anyone harasses you with phone calls again use the letter in the Bank Templates Library to put a stop to it.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Share on other sites

Thanks

Won NatWest. Bank charges returned £2,500 November 2006

 

S.A.R - (Subject Access Request) Littlewoods April 2007

Ombudsman complaint July 2007

Littlewoods admit no CCA agreement

Refuse to refund PPI

Letter to TS August 2007

 

SAR Lloyds August 2007

CCa lloyds August 12th

SAR and CCa Halifax 12th Aug

Link to post
Share on other sites

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