My final CCJ turns 6 today, Happy Birthday Equifax removed it last weekend But it remains on Callcredit and Experian Does anybody know how long it takes CRAs to remove it?

Hi All, I'm back with problems relating to Lloyd's, CRA's and data protection. Both for some advice and to see if this is a common problem with lloyds and their inability to update records correctly under the Data Protection Act. History Credit card was incorrectly defaulted as 2012, after a battle Lloyd's , in august 2013, finally corrected the default to be 2006 which means no longer reported on CRA files. 2 months later, it reappears. New formal complaint, apologies, some compensation and reassurance this won't happen again. Just checked equifax. It's back, with a default date of 2012! Loan : was incorrectly default to be 2010, again after a battle (still ongoing) it has been updated to January 2008, with confirmation in Nov 2013 that 'this should disappear from CRA in January 2014, if it doesn't get back to us' ...or similar. This is now on CRA as default of 2010, records updated by Lloyd's in late January this year. So even if it was a case of it should disappear a month later, in feb, it won't as the actual default date is still wrong. Advice on actions to take? As I've already complained to Lloyd's re CC reappearing, and in reference to the comments in the loan letter, Lloyd's clearly have an issue with accounts which defaulted over 6 years ago and their reporting of them, whe they should not be applied to the CRA. I have endured too much protracted communications with Lloyd's, I am still in a chain in a complaint about the loan, that i just want to put a stop to the repeated updating of the credit file inaccurately. Any advice on what actions to take? Should I give them one more chance, or should I escalate to ico? I don't have a great history with their Andover department as I was almost starting court action before they finally gave me full disclosure. Thanks CS

Any idea if Halifax Use Callcredit for the search on a mortgage. Cheers HAK

Hi all, another question I have regarding my CRA report, One of my creditors has stated a correct default date of 5 years ago yet the account status now shows Partial settlement and a recent date. How can this be , and will this account now be on CRA files for another 6 years. Any info welcome . Sleepingdog

Hi everyone, Have had loads of charges added to my loan account by HFC .Have not paid anything towards account for last 6 months so that they would take court action as I believe that a Judge would see that most of the charges have been wrongly applied. Now get a letter from their in house DCA (debt litigation and recovery services) stating Please note that the current amount to settle your acccount is £???? ,however we will waive £???.We have agreed to accept £??? at X amount in Dec, Jan and Feb in order to close your account. The Questions I have are that if I paid the amounts requested would that be the end of it or could HFC or a DCA come after the rest at a later date? and is the closing of the account only with DLRS or as they are acting on behalf of HFC it would close the account with HFC? For your info HFC have a enforceable CCA which contains within it a list of charges applicable for defaults and late payments that I signed. One other question ,if I accepted and paid amounts and HFC closed account would I still be able to complain to HFC, FSA and anyone else about the incorrect running of the account. sorry if post is too long. Sleepindog

I'm not happy with the marketing Wonga have used saying credit files would benefit users if accounts were maintained. My credit file from Equifax is clear but Experian has 14 loans over 12 months. I believe there is no court in the country that could say other lenders would not view (using their computer system assessment) that this shows only a credit risk contradicting Wongas claim when compared with a similar credit card account. Wonga continued to lure me into using their service with ongoing emails and advertising and I believed, as they said, I was boosting my credit score. Now with a £10k deposit I cant get a mortgage on the £125k house even with the governement backed deposit scheme and the advisor says it definately too many loans over a small period of time. My capital one card has has similar activity and is not judged in the same way. Is it unreasonable to ask them to consolidate their entries? I think this is the least they can do.

My partner has a loan with mutual that he has paid on time every single month. Mutual has reported to the CRA that payments received on time every month. As the balance was down to him owing £250 in October he decided to get it paid off by Christmas so in October he paid £180 (leaving a balance of £70 to be paid this month). He had an email from Equifax last week stating derogatory info had been placed on his credit file. It was from Mutual - they have reported him as a (1) , we contacted his agent who said their system is up to date so its correct. Contacted Head Office who refused to discuss it and said he had to contact the local Mutual branch, contacted the branch who have said their system is up to date and they dont know how it was reported as that and they cant change it. The issue here is my partner got the mutual loan, a contract phone and a credit card last year to build up a credit (as he had never had anything his score was really bad and he wants to get a mortgage next year). So his credit file was completely clean and the ''score'' was 850 ... this one mark has put him into the poor category with a ''score'' of 650. What can he do to get this rectified? Mutual Agent, Head Office and Local Branch all say they cant change it

Hello All, My friend has not received any "default notice" nor any other form of notification from Wonga, yet they have posted a "default" on a Credit Ref. Agency files. Surely they must send a "default notice" before any such action is taken. What action should be taken to rectify this. All information/advice will as usual be gratefully received. "EXEMPLO DUCEMUS"

Hi I want to check my credit file. However it asks for 6 years previous address history. The previous 3 years are fine because im on the electoral roll and have lived in this home for 3 years. But previous to this I went from rented room to room and living with friends for 3 years and was NOT on the electoral roll. How will this affect my credit report because I only have 3 years stable address history?

Hi folks Can anyone advise what to do if the OC and a DCA is reporting the same amount of debt on the CRA report? Many thanks Doc

Do CRA's give information to DCA's on peoples personal details, I am helping a colleague with his debt problems. Pressure from DCA made him ill a few years ago and he suffered a breakdown and it cost him his home and family, he is frightened that he will be tracked down if he asks to see his credit file. How much info do you need to give them to see your file

I've been wandering around the site, and have a question/s and they kind of cover various subjects Statute barred debts do not appear on CRA's - is that correct? Only debts that are currently enforceable should appear on CRA's. When they become statute barred they come off CRA's When someone has DWP overpayment debt, do they appear on CRA's? - I know there is this whole thing of whether they can be statute barred, or not, or that they can behave different to other statute barred debts.. as they can take money from you when you next claim any benefit. But surely, if it can be statute barred, then the DWP when using DCA's should be obeying to all the rules.. not harassing people, make threats, being misleading etc.. as in what DWP is one thing (being a government department and what DCA can do is another).

I have an outstanding debt that is no longer on my credit reports. It is a MBNA loan being chased by 1st Credit. Last payment approx 4 years ago. Loan taken out 13 years ago. Why would it disappear from my reports?

Hi, How would a company report to a CRA the information? Could a landlord managing agent do it? How would they go about doing that? I assume you have to register with a CRA or employ a debt collection agency? Thanks.

Hello; I am hoping that someone will be able to help us here as i am currently getting mixed replies from various other websites. My Wife and I have just started applying for mortgages. When we retrieved our credit reports from Credit Expert and Noddle we notice a large number of Defaults (6) and 1 CCJ on my wifes report. there are 4 related to Lowell that were for: 1. £571 - has been passed to fredericksons and we believe is now the CCJ, as the CCJ is for the same amount. Lowell have refused to talk to me about this and have told me to speak directly to Fredericksons 2. £159.84 for Littlewoods, £718 for Great Universal. 3. £26.27 for Orange. I paid this today just to get rid of it. The points raised at number 2 seemed odd to my wife and I. I requested a copy of the Original default Notice but lowell said they do not have that and that we should contact Shop Direct who they told us where the originators of the debt. My wife contact them and they said they had no record of my Wife's details. My wife then contacted Great Universal who were able to locate my wifes details. They have said they have no details on their system regarding the accounts. My wife asked them for the original default notices and they have referred my wife to their debt collection department, but they will not be open until Monday. We have set up payment agreements with Lowell for these for now for £30 a month (£15 on each account). I need advice regarding: a. Should we be paying this if the original creditor has no information? b. Can we get these defaults removed from her credit history? :???::???::???::???::???:

Hi, I'm new here so hope I am posting this in the right place. Sometime ago I received a letter from Arrow Global stating that they had purchased a debt from Orange Communications for app. £60. Due to the passage of time (Feb 08) I had no record of this. I wrote back to them requesting more details of the debt and they were able to provide me with a mobile telephone number that I did not recognise. They sent several more demands for payment and in the end I explained to them that I was not happy with the way they had contacted me out of the blue and had not supplied sufficient evidence that the debt was actually mine and therefore I am disputing the case. I never heard from them again. I assumed they had given up, but then when I applied for credit recently and was declined I checked my credit file and realised that they had recorded a default for £60 which will remain on my file until Feb 13. I have written to them to complain about this. They hav not responded but instead have handed the complaint to Rossendales who are now chasing me for the £60. The 2 things that have annoyed me are how can a DCA leave a default and then sell the debt onto another DCA, it does not seem fair. I have also written to the OFT and the Financial Ombudsman who have basically said they can log my complaint but cant help with specific issues. Do I have any rights?

Hi I contacted Equifax in July they had some incorrect information on their file relating to a BT account. I asked them to dispute it, 2 weeks passed yesterday so I called them and got through to India or Phillipines contact centre - I could barely understand the person on the other end of the phone! I asked them to give me the account number of the BT account to which they told me they could not do this as they only have an obscured view of it. I asked them if they could chase up BT for the information, they told me they couldn't and I need to wait for 28 days. The 28 days conflicts with what they have written on their account pages where it says 21. Please can you help me with the 21 and 28 day rule here - Which is it and what must they do / give me after 21 days / 28 days? The minimum I need is a contact for BT and the original account number as they say they cant find the account when i call them on their system!! Thanks

Hi, I am in the process of trying to tidy my CRA files. having been on a DMP for 7ish years through PayPlan. I have attained most of my information from my creditors through SAR and CCA requests and I have found the majority do not update the CRA files with a true reflection of payments made etc. (I know I shouldn't really be surprised ) I am in the process of reviewing one of my creditors, for whom I did not make any payments from Feb 06 for 5 months, then I started a DMP. This is a great example in that Default Notice and Formal Demands were made after 3 years of being on a 'temporary' DMP (at the start the DMP manager showed a budget to last in excess of 7 years!) and they defaulted me in 2009 as I only just then entered into a 'long term' repayment plan. (Not sure whose fault that was, Pay Plan or OC). At the time I didn't challenge the entry of the default, I was bit 'head in the sand' whilst just making the repayments every month as I wrongly assumed that Pay Plan was sorting it all out for me! I didn't think for one minute the OC would default the account after 3 years, and for no reason. I hadn't missed any recent payments before the decision for them to default. I had a couple of blips on 2007 and 2008, where I missed a couple of repayments (thats another great story - I was was bullied by a well know loan provider into making additional payments in excess of DMP so failed the DMP for a couple of months as I didn't know any better at the time!). I attach a PDF of my CRA for this file, I think the first '6' should be in July 2006, and an AP thereafter, however I am contacting them under the DPA etc as I believe it should have defaulted in 2006 - when all of the payments were missed. So that's the background, but my question is : Shouldn't the CRA file only show the past 6 years? I.e. should it only go back as far as Aug 2007? I'm trying to tidy up my files, but if the records are now showing OVER 6 years then I'm not really going to be making any progress (I have a few others who have also messed up the date of default and I'm trying to clear them all). Also any advice on what angle I could use to get them to update the Default to 2006 would be really appreciated. Currently Im thinking of the approach of : no payments made for 6 months, no DMP approved until FEB 2008, at Marker '6' it is clearly seen that the account is severely in arrears and defaulted, sent to 'collection' etc. Oh, and the fact that their internal notes 'charged off' the account in late 2006 - this I think is the key point to the Default being recognised as 2006. CS [ATTACH]45778[/ATTACH]

Out of the blue about 6 months ago I received a letter from a DCA saying that they had taken over a debt from Orange which was due to an unpaid contract in 2009. The amount they requested I paid them was app. £80. I wrote back to them saying that I had no record of the debt and could they provide more details. They sent a demand saying that they would call round to my house in 7 days so I decided to take action. I found this site and based on the advice I sent the DCA a CCA request. this has turned out to be just about the worst advice I have ever been given. They failed to reply ever again and failed to send a CCA but instead I noticed that they registered a default on my Credit Report and my credit score dropped significantly. I then started to get refused credit as a result. I wrote to them and told them I would pay the £80 even though they have been unable to prove it is my debt in order to remove the default but they refused. I paid the £80 anyway and they are taking their time but will eventually mark the debt as satisfied. Credit Expert state that a satisfied account is better than a default but if I had just paid the £80 originally and not taken this websites advice, there would be no entry at all and I would still be enjoying a good credit history. As it stands at the moment I now have a worse credit rating and it is due to the advice I was given from this website so be warned.

This is my first post on this forum. I would be grateful for some advice with regard to the removal of a default. The default is from T-mobile and was placed on my credit file in August 2010, on account of a debt in the sum of £76. T-mobile initially instructed H L Solicitors as their debt collection agency, some time during 2011. I obtained my credit record from Equifax in August 2012 and it showed the default registered by T-mobile. I have this month obtained my current credit record from Equifax. The default is now shown as registered by Sigma Red Limited. The default date and delinquent balance is the same as that which was previously recorded by T-mobile. There is now no mention of T-mobile on my credit record. I was aware that T-mobile had assigned the debt to Sigma Red Limited. During q4 2012 I wrote several letters to T-mobile in an attempt that the default be removed. I tried the sympathy approach and offered to pay the outstanding sum of £76 but, unfortunately, I was not successful. Save for this default, my credit record is clean and in my opinion, quite strong. In the first instance, I understand that the default will fall away six years post the default date (i.e. August 2016). I would like to know whether Sigma Red Limited is the organisation with discretion to remove the default. Is there any steps I can take to compel Sigma Red Limited to remove the default? For instance, could I challenge the debt for some reason? Could I make a subject access report? I am willing to pay the £74. I understand that is unlikely that Sigma Red Limited will take any steps to enforce the debt, having regard to the fact that no enforcement action was taken by H L Solicitors or has been taken thus far by Sigma Red Limited. Is this understanding reasonable? The outstanding sum of £74 does not appear to have increased as a result of being passed to debt collection agencies. Is there any way that Sigma Red Limited or its successors can levy any additional fees, such that the debt is increased? I have a very strong interest in procuring the removal of this default, and should be grateful for your information and advice.

Apologies if I have posted in the wrong section. I need guidance on the following CCJ Oct 2010...payment made via a payingin book to LLoyds TSB Credit File Shows CCJ and Default notice updated monthly...would this be read as two debts although it is the same debt. If its wrong..do we have a template letter reporting it wrong and who do I write to. BC default on CRA paying min payment as I am paying will this stay on file forever and ever as it will take forever and ever. Cabolt reporting on CRA updating a default notice I have no dealings with this DCA. Who update the file OC or Cabolt. I should have had a letter telling me they own the debt. I do not have such letter. I am not trying to get further credit. I am trying to tidy up my credit file so I can move one day. Please help me understand best way forward

Hi there In March 2008 I defaulted with Sainsbury's Bank and a Default was recorded with the CRAs. In 20011 Cabot informed me that they bought the account from Sainsbury's. On March 8th of this year I offered a reduced sum to Cabot which they accepted and wrote to me that a paid in full (letter/email) would be sent to me shortly confirming that this account has been cleared. I received an email from them today to thank me for my recent payment (it took them 6 weeks to reply). They also wrote to say if my debt was registered with the CRAs my file will be updated within the next 6 weeks to show that my account has been 'partially settled' and that the balance is zero. My question is as it will show as 'partially settled' on my credit report, will this information be deleted in March 2014?

What to do, what to do..... So...I have a significant debt (£15k) that was collateral damage from a now long dead relationship. A relationship debt i refused to pay on principle...bearing in mind that there were other debts and ccj's that have now been paid/satisfied and fallen off my credit score. This is the only thing outstanding to a clear my record. I am registered with Equifax and have been keeping an eye on my credit over the last 6 years. The original debt was with Barclay's but then appeared against 1st credit and is now listed with Cabot....at one point all three defaults were listed each for 15k showing £45k of debt...which was annoying to say the least....but i kept my head down. The default date listed by Cabot currently on my Equifax file is 07/2007 so based on this would be SB July 2013. So here's the thing..I wasn't s paying too much attention at the time but having looked at this site around SB debts I looked back at an old Credit report (from over a year ago) and saw that the original Barclay's debt has fallen off, the 1st credit had a default date of Jan 2007 (as opposed to July 2007 with Cabot) so im deducing that the original default date ( i cant recall when it was myself) predates even Jan 2007 which means the debt MUST be SB by now. I've recently seen some trace searches against my old addresses from a company called Clarity Credit. I have been registered on an electoral role that is different to the last address listed with Equifax, however Equifax haven't updated and or linked my new address for a number of years. I haven't received any letters to my last two addresses chasing the debt. I really want to register with other CRA's with all my addresses to make sure everything is in order but am afraid that by doing this i will bring down the dogs of war on my current address as by applying they will link all the addresses together when for whatever reason i've dodged the DRA bullet for 6 years....as well as the fact that they never went for a CCJ... An additional annoyance with Equifax is that by requesting credit reports old ones fall of the "recent history" list so i now cant look back to the original Barclays dates , to raise a query you need a support account and they ask for your address....same dilemma. So to the eventual (and i thank you for your patience) questions.. If i register with Experian with all my correct address will they be linked and shared with equifax allowing How do i get hold of my old experian reports (paid for) so i can determine the original default date? Should i just sit tight having miraculously ducked under the radar and wait until July to see if the last default falls off and then register with CRA with correct addresses? If i can confirm the original default should i go after Cabot to SB the debt and get it removed from the CR since the DF date is inaccurate. Many thanks all Sapper4484

Hi How should PDL companies recorded there entries in a credit report. I have multiple entries within my report when my understanding is that i have got one credit limit and it should be shown as a running total, or am i wrong?

Hi, I recently sent a CCA request to JD Williams regarding a default on my credit file. They replied, informing me they do not have a signed copy of the agreement nor of the default notice. I understand where i stand in relation to the debt, namely, that it is unenforceable in the courts even if it does still exist. I am wondering though where that leaves me with the CRA's. The fact that JD Williams do not have a copy of the agreement renders the debt unenforceable with the courts but the CRA's do not enforce anything as such so they would not have to remove anything owing to that. However, I believe the ICO states in its Data Protection Technical Guidance at s.39 that "Any default record should be accurate. We normally expect a lender to keep records that are necessary to show an agreement exists and to support filing a default." If they do not have a signed agreement or default notice is that not going against the guidance?. Further that The Data Protection Act also specifies that sensitive personal data must be processed according to a stricter set of conditions, in particular any consent must be explicit. Without a signed agreement how can they prove my explicit consent to the CRA to share my information legally. I may be well off in my thinking i am just trying to understand my next steps after dong a bit of reading around. Any help or advice would be greatly appreciated.