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me & the OH's debt


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callcredit are trying to set their own "we have 28 days to blah blah blah" deadline

 

no they don't,because they ignored my first letter,and are now in receipt of my LBA

 

don't you just love it when people try to ignore you,and when you then tell them that you are quite prepared to take legal action,they try to force you to play their game?

 

reminds me of the bank charges reclaims days ;)

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CRA's kept a dispute on my file for over a year despite them writing to me saying that they had removed it. Also, ICO has upheld that one, saying that the CRA failed to comply with the act becasue it would not be considered reasonable to retain a notice of dispute on a credit reference file after the dispute has been resolved.

 

As it is not a default I was wondering if I could make a claim???

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I seem to recall the ICO recently ruled that CRA's are actually joint data controllers (along with the initiator of the data)

 

As annualcreditreport.co.uk, are in effect acting as a CRA then I would imagine this would apply to them also.

 

David

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im up for submitting a claim,

 

these credit reference agencies are now using the Information Commissioners advice on CREDIT AGREEMENTS - DATA SHARING (06/11/06)

 

I have used all of the template letters, THEY WONT BUDGE!

 

Any ideas of particulars of claims? - I just want to sort these idiots out!!!!!!!!!!!!!

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