Equifax Statute Barred Default & CIFAS

[jb000]

Hi there wonder if anyone can help me.

 

Just got a copy of my Equifax credit report online and I am quite frankly shocked.

 

Had 2 Barclaycards in the mid 90s and stopped paying in 1997 as I had lost my job. Usual round of debt collectors, ignored them, never acknowledged the debt so thought that they would become statute barred 2003 as it never went to County Court.

 

To my horror, I discovered today that they put 2 defaults on my file in 2007 (10 years later), I did not receive any default notices or anything.

 

Also I moved into my current address in August 2000, and more to my horror, my old address is still a linked address 9 years later with a CIFAS flag on it from 2008.

 

Is there any way of getting these off, as I believe it's damaging my credit history (as I have been behaving myself).

 

Any help most welcomed

 

jb000

[maroondevo52]

Hi,

 

I've got two in similar circumstances Have'nt looked into the removal yet, I'll keep an eye on your replies.

 

Regards.

 

Scott.

[cerberusalert]

Contact the CRA and demand there removal as they are Statute Barred, also make a complaint to the ICO https://www.ico.gov.uk/Global/contact_us.aspx

 

As for your linked address according to Equifax they keep that information on record for 7 years, so that should be removed too.

 

No doubt after you have contacted them you will find that a DCA will crawl out from under a stone, so if they do send them this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred

[cerberusalert]

Just to add, you can take legal action against both whoever registered the defaults & the CRAs for processing your data and damaging your credit worthiness... which can run into many £thousands. I'll try and dig up some case references later.

[jb000]

Many thanks, will do later on tonight as I am still boiling at the moment, and I don't want to type something I may regret later.

 

Cheers

 

jb000

[cerberusalert]

Google 'Kpohraror v Woolwich Building Society [1996] 4 All ER 119.' This one famous damages case.

[jb000]

Sent letter to Equifax demanding that this harmful data be removed from my file. Copy of letter sent to Information Commissioner.

 

jb000

[postggj]

i had a negative cifas marker a few years ago

it was a mistake and removed

 

i was told that cifas markers only stay on your credit file for 12 months

 

who put the default on your credit file

which dca

[Filthy Monkey]

I had a default registered on my account over a statue barred debt a few years back. I only found out about it through an online Equifax report, so I contacted the company responsible, pointed out that the debt was statue barred and that no default notice had ever been serverd and politely asked that they remove it. It was gone the next day! Sometimes all it takes is a simple phone call. I know some people are too shy or scared to call, but if you have it in you, it may well be worth a go...

[postggj]

totally agree on that one

 

unless its a dca and you know how to talk to them