That will be the reason my bank increased my overdraft twice even though the default was placed on my file. One very last question. Loan or credit card. Online or instore, is there any difference to either product or would the ojtcome be the same.

Yes because my mum opened the account and as I grew up it changed. So my bank will rate me on something different than my credit file is that what your saying ?

Is there anything else I could apply for that would get me on the credit ladder? Mobiles are the only applications I've ever made and I'm 22. My bank raised my overdraft from 800 to 1600 then 3000 in one month. Those were application made but I want to pay that off. I could try a 2K loan with my bank. Been with them 17 years and I have £43000 salary going through my bank and 1000 of direct debits each month for bills.

Ok thanks. That's great. Now that it will be coming offy file all I have on credit is 3 mobile phones and a £3,000 overdraft. I've never had anything else been at my address for 22 years and always paid all my direct debits on time, my bank account is not showing on my file. Do you think I would be accepted for a credit card when it comes off?

Sorry. Internet crashed

O2 said they have taken the default off my credit files and asked Lowell to return to them. Lowell said the account is closed (probably recently) and complaints team writing out. The fact that O2 have asked it to be returned, lowell closed account, does this mean Lowell have to remove the default also?

O2 said they have taken the default off my credit files and asked Lowell to return to them. Lowell said the account is closed (probably recently) and complaints team writing out. The fact that O2 have asked it to be returned, lowell closed account, does this mean Lowell have to remove the default also?

O2 said they have taken the default off my credit files and asked Lowell to return to them. Lowell said the account is closed (probably recently) and complaints team writing out. The fact that O2 have asked it to be returned, lowell closed account, does this mean Lowell have to remove the default also?

O2 said they have taken the default off my credit files and asked Lowell to return to them. Lowell said the account is closed (probably recently) and complaints team writing out. The fact that O2 have asked it to be returned, lowell closed account, does this mean Lowell have to remove the default also?

Hi can someone help. I took out a contract in November 2011wrote a letter in October 2012 giving 30 days notice of end of contract. In January 2013 I noticed they were still taking direct debit payments but higher amounts. . I cancelled the direct debit. I have 4 other O2 accounts. A default was placed in April 2013 This was passed to Lowell in December 2013. Someone basically took out an upgrade in my name. After several hundred letters to both companies I asked for a CCA and SAR request from both. O2 wrote back saying my account was not taken out on a CCA and retracted the account from Lowell and removed the default. Lowell then places their own default and have not complied with CCA or SAR request but after a phone call they said the account is closed and complaints department are writing out to me. They also passed the debt to another agency. I've not checked my file yet but O2 defaults removed and Lowell still there. Does this mean that the Lowell default for the same O2 account will come off? What happens if they've sold the deft on again and the 2nd DCA place a default? O2 say I still Owe them money and can pay them direct but it all seems very fishy to me. Please advise as Its costing a fortune trying to get things sorted with recorded letters and they seem to take months to reply. Thanks in advance

Hi can someone help. I took out a contract in November 201 1wrote a letter in October 2012 giving 30 days notice of end of contract. In January 2013 I noticed they were still taking direct debit payments but higher amounts. . I cancelled the direct debit. I have 4 other O2 accounts. A default was placed in April 2013 This was passed to Lowell in December 2013. Someone basically took out an upgrade in my name. After several hundred letters to both companies I asked for a CCA and SAR request from both. O2 wrote back saying my account was not taken out on a CCA and retracted the account from Lowell and removed the default. Lowell then places their own default and have not complied with CCA or SAR request but after a phone call they said the account is closed and complaints department are writing out to me. They also passed the debt to another agency. I've not checked my file yet but O2 defaults removed and Lowell still there. Does this mean that the Lowell default for the same O2 account will come off? What happens if they've sold the deft on again and the 2nd DCA place a default? O2 say I still Owe them money and can pay them direct but it all seems very fishy to me. Please advise as Its costing a fortune trying to get things sorted with recorded letters and they seem to take months to reply. Thanks in advance

Hi can someone help. I took out a contract in November 2011wrote a letter in October 2012 giving 30 days notice of end of contract. In January 2013 I noticed they were still taking direct debit payments but higher amounts. . I cancelled the direct debit. I have 4 other O2 accounts. A default was placed in April 2013 This was passed to Lowell in December 2013. Someone basically took out an upgrade in my name. After several hundred letters to both companies I asked for a CCA and SAR request from both. O2 wrote back saying my account was not taken out on a CCA and retracted the account from Lowell and removed the default. Lowell then places their own default and have not complied with CCA or SAR request but after a phone call they said the account is closed and complaints department are writing out to me. They also passed the debt to another agency. I've not checked my file yet but O2 defaults removed and Lowell still there. Does this mean that the Lowell default for the same O2 account will come off? What happens if they've sold the deft on again and the 2nd DCA place a default? O2 say I still Owe them money and can pay them direct but it all seems very fishy to me. Please advise as Its costing a fortune trying to get things sorted with recorded letters and they seem to take months to reply. Thanks in advance

I have had a doctors letter sent to my Scottish housing association stating for health reasons he would support my application for a bath. I only have a shower and have had for 9 years. Now they said I need another letter stating what medical reasons I need a bath for... Is this right?? Also I've asked for my front door and some windows to be repaired 2 years ago and again last year and their only gettig round to the repairs. Charging my £120 for the door repair which was not my fault but their saying it is. Ease help

They placed a NOD on my file, but when LTSB came back to Equifax and said the info is correct, they removed the notice of dispute and closed the dispute down.......so whether or not they place a NOD, they still are going by LTSB word against mine, which is totally wrong because under section 159 and consumer Credit Regulations, I can see no regulation that states that a CRA cannot remove data without the consent of the creditor/supplier of that data. This being so when they tell me that they cannot remove it without the consent of LTSB they are actually making a negligent misrepresetative statement under the misrepresentation Act 1967. S2(1) Misrepresentation Act 1967. Credit Reference Agency’s “ accepted industry standard” will not be accepted in a court of law as an excuse for saying that, nor can they say that they act impartial, as if they would not take LTSB word against mine. LTSB passed Equifax the information, Equifax then processed the information onto my credit file, without actually verifying that the information was correct, again which is wrong. So whether or not they have filed a notice of dispute, do you think hat any potential credit supplier is going to take my Notice of Dispute and believe me??? I can understand where you are coming from, but at the end of the day, we are talking about one's own private information and if that information is wrong, there is no easy solution and finally, the rights of the data subject actually overrule those of the CRA's!

I think the whole purpose of any negative mark is to refuse credit... or that is the way it is becoming. My main gripe is them being able to hold wrong information and when disputed, they say they can not remove it without their client's say so, which is wrong as they are the Data Controller, it is their responsibility to ensure the accuracy of the information....my example is equifax hold a wrong OS Debt search, but I need to go to LTSB to dispute it.. surely Equifax must ask for proof of validity from LTSB if disputed, rather than take their word over mine? That is not being impartial !

I really think that it will be very nagative if in Table 1, however I feel that these DCA can just put these markers on anytime they Trace someone.. In any event, the DCA and CRA's are a law into themselves and I feel that in the years to come, you will not be able to get anything without a good credit report... Let me know how you get on as I'm constructing my letter to LTSB at the moment and I think it is going to be a long one.. I am dreading my Experian report!

Any idea how 1 or more OS debt searches might affect an individual?? Div

Yeah, but basically every credit application has a score, automated or not, so basically all applications will take OD searches into account! Re Apex, I've written and they replied saying their information is correct and wont remove it without speaking to LTSB - so I will need to letter them now ;-( However, I'm up for the war Div

Reply today from Equifax: Dear David, Thank you for your enquiries and I'm sorry for the delay in getting back to you. I understand your comments about the accuracy of the search information on your Credit Report. As you are aware we have disputed this information on your behalf with the lenders in question. Whether we remove information following a dispute with depend on the response from the company concerned. The company is not obliged to provide supporting documentation or proof as part of the notice of dispute process. As you're aware the Mackenzie Hall information on your report has now been removed from your file but as Apex have not provided authorisation to do the same, the information remains unchanged. If you wish to pursue this dispute I can only suggest that you contact Apex directly or forward the matter in writing to the Information Commissioner's Office at the below address: Information Commissioner's Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF I'm sorry for the confusion caused by our responses over whether the searches in Table 1 of your Credit Report are visible to other lenders. Our searches on your online file are divided into Table 1 and Table 2 to let you know which searches may influence a lending decision when you apply for credit. In Table 1 you will see Credit searches, Outstanding Debt searches and Debt Collection searches. Both Credit Searches and Debt Collection searches are visible during an application you make for credit and can be taken into account when assessing your details. Outstanding Debt searches on the other hand are more complex. Outstanding Debt searches can appear in either Table 1 or Table 2 on your Credit report depending on the level of confidence of the trace. The searches in Table 2 are not visible to any other lender and will have no impact on you during an application for credit. The Outstanding Debt searches in Table 1 are not visible to other lenders but in certain instances, may have an impact if you are being assessed for credit by a company who are using an automated scoring system that takes this information into account. I hope that this clarifies the situation. Please let us know if you require any further information. Kindest Regards Mandy Russell Customer Relations They just wont budge, even though the DCA have searched the W=wrong data subject.. looks like I will need to take this up directly with LTSB Div

Yes, both letters were sent Formally! Equifax am waiting a reply since 3.9.2011 and Apex just told me to write to Lloyds. I am considering making a complaint with the ICO, but I told Equifax and Apex that I would do this but it never made them reply! Experian, I have applied and they are wanting me to send in a bill and a passport or sorts, Ive written back to them omitting out my picture and Passport number and told them that the file is to be sent to the address they have for me which obviously confirms my address... The timescales they reply are dreadful.. Dv

Update; both Equifax and Apex are not budging. Apex have just ignored RD letters and emails, Equifax- am still waiting an update from them. Callcredit have removed all disputes, so my file there is clear. Div

My friend took out a loan with CFO. He was unable to repay the loan and they would not accept his payment terms to repay it. He then stopped hi card with the bank and was issued with a new one, different long card number and CVV number. CFO still managed to go into his bank account and debit his card. On calling his bank, they would not refund the amount nor take it on as fraud as he was contractually obliged to repay the funds, even though CFO were taking small amounts on various dates - they still never helped him. He had to change banks..... So, I would change your bank account swiftly and never ever give anyone or company your details, as these companies have various names and if they match you with an outstanding amount, I'm sure they'll just whip amounts from your new account! All the best, Div

First time I've heard anyone say anything positive about a DCA,:lol: - This Rob must be on the move out or something!

No word as to my letter. I have had 1 O/S Debt Search removed, but still waiting on other 2 from same company. I am of the firm belief that these searches are deliberately carried out in order to be a negative against your file. My file is clear except for these 2 searches done in December 2010 and January 2011. Any potential lender would probably decline, having seen these O/S debt searches. If the default dropped off, explain to your CRA that it has dropped off and the DCA had no authority to conduct a search and demand it removed. I would also write to the DCA and ask them on what authority have they conducted this debt search, as they would not have the authority from their client as the accounts not dropped off. It seems the trace department might still have the file. Div

Thanks. If a bank & DCA is chasing me for a debt relating to a bank account, is there any similar action (cca) that I can take? Thanks, Div