Sub Prime Credit Card Club

c8ndice

I have been doing all mine online. I was meant to buy their book for £40 but so far haven't.
Not too keen on the training centre, so been doing most of it at home lol

Now my job has ended I shall have alot more time to study x

jakemuk

sutton111 wrote: »

How have you got them removed?

Hard negotations realy, what you have to bear in mind is that the person that answer phones, only can do so much, You have to get past that hurdle and to the person who actualy does the files, And to be honest there quite helpful once you get to them.

Is all in my quest to have a clean slate, And become a green tick guru, Am actualy currently writing a book about not to get yourself in a mess lol

darcyvuqua

i have had two defaults removed i did it myself but hfo and complete and utter knobs

Sammy_Girl

I'm going to have a go at removing my defaults. I am going to write to Egg as I have 2 with them. 1 for a loan and 1 for a CC. I am going to request a copy of the default notice that they issued me and i'm hoping that because it was so long ago, they won't still have them - and then I'll use that basis to get them removed. In an ideal world of course. But if you don't ask you don't get I suppose:)

Should I be requesting these under the Freedom of Information act? And which department should I address them to?

darcyvuqua

also i have a defaul im going to request a cca and i did not receive a default notice how does that work

cifpower

sutton111 wrote: »

Bloody Hell :eek: :eek: . That's one hell of an increase £3600. Why such an increase!!
I would like to go with them but you have put me off because they fuc* about so much.

I would not let that put you off. They are normally very good. When you apply they search Equifax and they report to all 3 CRAs. I now have 27 green [0]

darcyvuqua

9th January 2008

Dear Sir/Madam

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY


With reference to an agreement you believe is mine, I would be grateful if you would send me the original copy of this signed credit agreement.

I understand that under the Consumer Credit Act 1974 (Sections 77-79), i am entitled to receive a copy of our credit agreement on request.
The above applies to the true original default notice which I have never received for this so called agreement.
I enclose two postal order payments of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand a copy of our credit agreement should be supplied within 12 working days.
The default is registered to
Mr darcy
2 football ave
shearer estate
rugby
SL49KIL

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.
If the agreement cannot be found I believe that it should be removed from my credit file as soon as possible if does not happen I will pass this case to the Financial Services Association and/or the Financial Ombudsman


I look forward to hearing from you within 12 days.

Yours faithfully
Mr darcy

darcyvuqua

does that look ok to everyone!!!!!

Sammy_Girl

Looks good Darcy, who are you sending it to?

cifpower

Yup. Looks fine to me.