Statute barred debt showing on Credit file with incorrect info please help.

[curly29]

I'm new here and hoping someone can help me.

 

In august 2005 i got into debt problems and stopped paying my credit card and bank loan both of which were with the same bank.

 

Last payments were made in July 2005,

 

recently on checking my credit file I noticed that 1st Credit have logged a default on my account and all the info is wrong!!!!!

 

They state the account as started (i'm assumng this relates to the bank) in October 2005. And they have logged the default date as November 2010.

 

I have not kept any paperwork relating to these dates but can catagorically confirm I have never spoken to either a bank

or a DCA in the last 6 years and I have sent no letters to anyone relating to this..

 

. I have over the years received letters relating to this but I sent them back.

 

The Debt is now 7 years since any acknowledgement and payment was made.

 

Also today I have received a letter from Ruthbridge asking me to contact them re a personal matter,

I am assuming it is over the same thing as this is the only debts I have never paid. I am and will ignore this letter.

 

What I need help with is I want this removed from my credit report as it is all incorrect. Does anyone know how I go about doing this?

 

Thank you

[citizenB]

I suggest you send a letter advising that the debt is statute barred. Once they receive that they should stop any pursuit.

 

http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

The date on your CR file is possibly the date they purchased it - have you received any contact from them ?

[BRIGADIER2JCS]

Hi welcome to CAG,

I think the date may be an update when 1st Credit bought the debt but

they cannot change the orignal default date

So a formal complaint to 1st Credit is in order first.

place a notice of dispute on the credit files asap.

I' ll draft a letter for you to send.

[havinastella]

Also remember you can sue for damages to your CRA, esp if this is the only problem on there. Make sure you take a screen shot.

 

Jogs

[curly29]

Thank you so much.

 

The notice of dispute should it say this debt is statue barred or that it is in dispute?

[curly29]

I have printed the full credit report.

 

Didn't know I could sue for damages, now thats worth thinking about

[BRIGADIER2JCS]

Ok.

 

This goes to the Data Controller

1st Credit.

 

Formal Complaint copied to OFT.

 

Ref:xxxxxxxx

Dear Sir or Madam,

 

I refer to an entry made on my credit refence file by 1st Credit, please note

I do not acknowledge any debt to 1st Credit.

 

I enclose a screenshot ot the relevant section of the CRA file for clairification.

The entry is totally false and is a misrepresentation and is not acurate in any

way.

 

Furthermore I have researched the alleged debt and taken advice regarding

the validity and status of any such alleged debt and have concluded that it

is STATUTE BARRED and therefore I will not now or in the future make any

payment or offer of payment.

 

I require you now to remove all entries on any credit reference agency files you

have reported to.

 

I also require you to cease proceessing all data you hold relating to me and

to remove all data from your records.

 

I am fully aware of the OFT Guidance on Debt Collection 2003/2011

and the sections regarding Statute Barred Debt.

 

I am making complaints to the OFT and the Information Commissioners

Office regarding the reporting of this matter to the CRAs.

 

I expect to receive your written confirmation that you have complied

with my instruction within 7 days.

 

send recorded delivery.

[curly29]

Thank you soooo much.... I shall be getting those little beauties off in the post and will let you know how I get on.

 

This is the first time I have used this site and have to admit I am overly impressed with the responses and help I have recieved it really is very much appreciated.

 

[BRIGADIER2JCS]

:thumb:

Thank you soooo much.... I shall be getting those little beauties off in the post and will let you know how I get on.

 

This is the first time I have used this site and have to admit I am overly impressed with the responses and help I have recieved it really is very much appreciated.