credit reference agencies

[fergal71]

I have recently had virgin media place a default on my credit file ..... they did not issue a default notice or follow any of the guidelines laid out in cca1974. The credit reference agencies put it on there.....

 

do any of the legal eagles believe I have a case of compensation as I can prove stress, time, and money that it has cost me to have it removed....

 

They removed as soon as I asked for copy of cca and default notice. but in the meantime it has cost me so much... I thought under data protection act that credit reference agencies had to check that the information was correct and legally placed on files...

 

what do you think????????????

[tomterm8]

I think that you won't have a case under the data protection act 1998, as they corrected the mistake within the time limit the act gives for doing so.

[fergal71]

what is the time limit it was on file for 3 months????

[tomterm8]

From the time you complain , I believe it is 21 days. Nevertheless, any damages will be nominal as you will take court action after they have rectified the problem.

[fergal71]

but believ it or not due to circumstances it cost me over £4000 in that short time...

[pjzeer]

I was for want of a better word "stitched up" by Halifax credit card. Briefly the charges started to over take me with them adding charge up on charge and intrest up on interest, before i knew it my balance had doubled.

I called Halifax on many occations asking the to come to an agreement and stop adding interest they kept telling me that the only way they would agree is i would accept a "DEFAULT" and then they would stop all interest and charges going on to my account, it was my only option, sadly i had no choice and agreed.

They put me with a debt recovery company ( which im sure belong to them) . I have been paying them £100 per month for the last 18 months with a balance of £3500 ( approx ) still out standing and i must add no payments missed.

I would like to know if i fall into the catagory to try and have the default removed ?

All advise accepted

[Jonnybonk]

Just joined and want to say hello to all

[dolphinbaby]

hey every one

i have just joinned the site as recommended my a work collegue, im finding all these acts and abrieviations confusing as all this is new to me. i was going to go with the cartel company to reclaim my bank charges and wiped my defaults and and credit card. but i have decided to now do it myself ( if i can)! can any one point me in the right direction to find templates and stuff i need.

Regards

dolphin Baby

[cerberusalert]

hey every one

i have just joinned the site as recommended my a work collegue, im finding all these acts and abrieviations confusing as all this is new to me. i was going to go with the cartel company to reclaim my bank charges and wiped my defaults and and credit card. but i have decided to now do it myself ( if i can)! can any one point me in the right direction to find templates and stuff i need.

Regards

dolphin Baby

 

Your best bet would be to send your creditors a SAR which will cost £10. From this you will be able to determine whether any credit agreement is enforceable & what unfair bank charges have been added which you can claim back. They have 40 days to provide the information & you should send the request by recorded delivery. Letter #10 The Consumer Forums - Debt collectors

 

If you have more than one account with the same creditor they will be covered by a single SAR, just mention all the a/c numbers.

 

When you start to receive replies, start a new thread on here by scrolling to the bottom of General Debt Issues - The Consumer Forums & clicking 'new thread' & someone will help if you have any questions or problems.