halifax default credit agreements**WON**

[postggj]

thanks for that

considering my recent court case ill go ico first

like i said, do they have any teeth, and how long do they take to investigate

[tomterm8]

The Information Commissioners Office don't have any teeth (ultimatly, they are only able to give advice and recommendations not court judgements, although they do their best), but their recommendations will carry some sway with the court - it will show you have used extra-legal methods to solve your difficulties.

[postggj]

tell me

has any one contacted the Information Commissioners Office before ref no cca or default notice

to erase default from cra

and what was the response

 

any links please

[car2403]

http://www.consumeractiongroup.co.uk/forum/general-debt/125119-ccas-post-april-2007-a-3.html#post1359065

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/130214-read-guidance-information-commissioners.html

 

I've just had a response from the ICO regarding a complaint I sent to them - 9 months ago! The letter apologises for the delay, "due to our extraordinary workload at this time"...

[davefirewalker]

http://www.consumeractiongroup.co.uk/forum/general-debt/125119-ccas-post-april-2007-a-3.html#post1359065

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/130214-read-guidance-information-commissioners.html

 

I've just had a response from the ICO regarding a complaint I sent to them - 9 months ago! The letter apologises for the delay, "due to our extraordinary workload at this time"...

 

I got one of them too...a few weeks back took almost the same amount of time, and i was only asking a simple question...........???

 

I believe the ICO office is a broom cupboard with 1 typewriter. and a granny taking shorthand....via a dictaphone recording onto cylinders..

 

that might explain it

 

 

Dave

[postggj]

this is interesting/great news

i sent laiste letter as above

i gave hbos two weeks for a full and final decision

checked experian/equifax tday

default data/account data gone

 

no more defaults , ccj , etc on my credit file

 

thank you so much cag

 

with the greatest of pleasure can a mod mark this thread also as won

[postggj]

all i can think of is when hbos sold the account to lowell while in default of my cca request, and unlawfully processing my data, was the final nail in the coffin

[pt2537]

good result though Postggj

 

ive changed your thread title as well

[postggj]

ive had an alert from equifax today and on checking my credit file hbos has put the default back on. its been seven months since they took it off.

to say i am not happy is an understatement.

they avoided court by a fraction last time and i am now going for the throat.

 

to recap

 

i have a letter from hbos saying there is no credit agreement. i informed them they cannot process data etc

 

advice please

 

am not getting into long debate with hbos, going straight to court so asking advice on poc

 

many thanks

[postggj]

bump

[The GodMother]

have not got much advice but i can help buy bumping this thread.

 

If i can think of anything then i will shout.

[postggj]

another development

hbos have only put the default on equifax this time

also i tried something today

i have just applied for a vanquish card and was accepted. i know what you are going to say, apr, etc

will only spend 50 max and pay in full each month for the positive markers.

thing is why is the default back on with only equifax. could this be a mistake by equifax, automatic systems etc.

[The GodMother]

yep ring them and ask it may be a mistake if its not u no what to do.

[postggj]

just phone equifax and they have confirmed default reregistered.

they say the two remaining cra have prob not updated yet

they tell me to do an online dispute

gob smacked

[The GodMother]

kk now rite to them with a copy of the letter u were sent saying halifax were removing details from ur cra asking them to remove it based on the letter.

[postggj]

hi god mother, thanks for dropping in

 

RESAULT

 

just been speaking with the recoveries dept at hbos. they say the default will be removed within 48 hours. ill hold them to that.

but no explanation as to why it was put back on, just glad its being removed (again)

 

lesson to all

 

allways check your credit file on a regular basis

[The GodMother]

thats good maybe a explaination as to why would be good.

[postggj]

just had an alert from equifax

 

true to there word, hbos have now deleated the default and credit account (again)

[The GodMother]

GDGD glad u have alerts as it help u keep an eye of these companys promises.