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    • Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
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ROLL CALL: Who has sucsessfully had defaults removed?


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I'm with the #25 and #26 on this one..........could the Mods make a quick note of that pls.....?

Co-Operative bank default removal - succesfull december 2007.

 

Capital One Bank default removal - succesfull february 2008.

 

Co-Operative bank Visa default removal- Claim filed March 2008

 

Smile default removal - ongoing

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  • 4 weeks later...

Once again this thread was a great idea by TheAnalyst but it seems to have died. It would be nice to know over the last month or so if there have been more successes, particularly defaults that were not all made up of charges. Many people talk of going to court to get defaults removed, it would be nice to see the successes.

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Hi Gooner, I have had success with two, but they were essentially the same wrong information, the third piece of that equation is still ongoing, only achieved a marked as satisfied on a non existent account so still not happy, guess who CAPQUEST!

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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The aim of this post is to get an idea of who has sucsessfully had defaults removed from their credit files....

 

Reply with the following information if possible:

 

Name of company that registered the default

Amount of the default

Was the account settled or did it still have a balance

If the default was all/part/no charges

What action did you take & on what grounds did you request the default removal

What (if any) third party was involved (Information Commissioners Office, FSA, Court etc)

 

Thanks in advance! ;)

 

It was some time ago now, but I may have been the first here to use the "no CCA = no default" arguement. That worked for defaults issued by HSBC (3K - settled), MBNA/Link Financial, (7K - 4K outstanding) and a car HP agreement.

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Maybelline - at least you were sensible enough to check your credit file and then get the wrong info rectified.

Rose - Were they mostly made up of charges? Mine were partly charges but were all satisfied 3 years ago and within a month of default. Wish I had declared meself bankrupt and not given them a penny.

At least you and the other successes here give us all hope.

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  • 2 months later...
Finally had a result which makes the last 5 months and at least 20 letters to various creditors somewhat worthwhile :)

 

RBS have agreed to remove my default and instruct AIC debt recovery to stop pursuing me for £290.

The default of £2560 was made up mostly of charges which they refunded and the remaining £290ish was unauthorised overdraft interest that I would have never had if there had been no charges in the first place.

 

This was after the 4th letter I sent them and had to include copies of all statements and prove from those statements that had I not been charged I would have never been overdrawn in the first place.

 

Should be off my credit files in the next 72 hours ... :D

 

Hi Analyst, I notice on your list Welcome have removed a default -they seem to be digging their heels in over on the WF threads on defaults that are wrong on unenforceable agreements, any tips?

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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two defaults removed after sending surlybonds letter

 

1st credit DCA was originally barclay card

style financial services aka ted baker card

 

 

crh well done, lets hope more successes follow:)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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two defaults removed after sending surlybonds letter

 

1st credit DCA was originally barclay card

style financial services aka ted baker card

 

I think RBS (Style) have taken a decision to settle all Default removal attempts given information I have personal experience of - I can't say more at this stage in open forum, but it appears the Surleybonds letters are having the desired effect at an early stage of the proceedings.

 

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ANY PHONE COMPANY DEFAULT REMOVALS OUT THERE??????:confused:

 

I've had Judgment by Default against 2 for O2, but that could be a one-off that is challenged by them anyway? :roll:

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/111666-car2403-o2-wescot-dca.html

 

Have to wait to see what happens next...

 

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  • 2 weeks later...

Right, i've had more success! :)

 

the Carphone warehouse have removed the default on my account once I cleared the £260 debt, they changed it from a "8" marker with 1,2,3 & 4 ;late payment markers before it to "S" with 3,3,4,4,4,4 ( :confused: ) before it.

At least the default is gone, its still a result.

 

Welcome Finance .... there was a £3565 default with the full amount still owed. I have sent so many letters to them, they did supply a valid agreement and i was getting nowhere with them regarding no default notice, ppi and charges so yesterday I offered the Lewis Group (Welcome's DCA) £1200 in full and final settlement on the condition that the default be removed completely, THEY AGREED! and I have it in Writing! :o :D

 

Very happy man today :)

 

Just leaves 1 more default (Littlewoods, grrr!) and a satisfied CCJ to remove!

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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I think RBS (Style) have taken a decision to settle all Default removal attempts given information I have personal experience of - I can't say more at this stage in open forum, but it appears the Surleybonds letters are having the desired effect at an early stage of the proceedings.

 

My RBS one removed;

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/110150-car2403-rbs-plc-default.html

 

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Hi All

Default was with HSBC for £3400 with illegal charges involved. March 2007 sent letter asking for original copy of default letter as none was received. Had no reply to this letter but hey presto the default was removed from my credit file.

Not all good new though in November this same debt appears on my credit file once again with a name not of HSBC but FV-1 who I have had no agreement ever. In November sent the notice to desist processing data. No reply. Today have sent Data Subject Notice. Anyone any ideas if it is legal for FV-1 to even enter this on my credit file.

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Thanks for the explaination I am going to keep notes so I do not forget. I sent the first notice to stop them processing my information which they have completely ignored so I am now sending the second notice which SurlyBonds posted and I have also threatened court action if the default is not removed. I am keeping my fingers crossed.

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two defaults removed after sending surlybonds letter

 

1st credit DCA was originally barclay card

style financial services aka ted baker card

 

 

Hi did you send surlybonds letter to the DCA or barclaycard I'm really getting confused as to where to send the letter, or should it be sent to the DCA if its their name on the credit file.

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  • 1 month later...

Hello,

Sorry of this is not the right thread for this question - please refer me elsewhere if not -

 

I heard that if an account is in dispute then you can instruct the data controller of a card company/bank not to process any data relating to you on the grounds that the account is in dispute and therefore no facts proven one way or the other.

 

There's a clause in the act I believe to the effect that data may not be procesed if it is liable to cause distress or damage - well, if the alleged facts turn out not to be true, or if the agreement turns out not to be valid, then passing on any data woud certainly cause distress and damage.

 

Any experience/ knowledge of this sort of issue please ?

 

Thank you

 

Valhalla

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Hello,

Sorry of this is not the right thread for this question - please refer me elsewhere if not -

 

I heard that if an account is in dispute then you can instruct the data controller of a card company/bank not to process any data relating to you on the grounds that the account is in dispute and therefore no facts proven one way or the other.

 

There's a clause in the act I believe to the effect that data may not be procesed if it is liable to cause distress or damage - well, if the alleged facts turn out not to be true, or if the agreement turns out not to be valid, then passing on any data woud certainly cause distress and damage.

 

Any experience/ knowledge of this sort of issue please ?

 

Thank you

 

Valhalla

 

 

This thread is for people to list the details of defaults they have had removed.

 

You obviously know this is not the correct place for your question yet posted anyway?

Post it in the main "Data Protection and Default Issues forum" please :roll:

  • Haha 1

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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