Lloyds : repetitively keep updating CRA of accounts defaulted over 6 yrs ago

[cwab_sticks]

Hi All,

 

I'm back with problems relating to Lloyd's, CRA's and data protection. Both for some advice and to see if this is a common problem with lloyds and their inability to update records correctly under the Data Protection Act.

 

History

Credit card was incorrectly defaulted as 2012, after a battle Lloyd's , in august 2013, finally corrected the default to be 2006 which means no longer reported on CRA files.

 

2 months later, it reappears. New formal complaint, apologies, some compensation and reassurance this won't happen again.

 

Just checked equifax. It's back, with a default date of 2012!

 

Loan : was incorrectly default to be 2010, again after a battle (still ongoing) it has been updated to January 2008, with confirmation in Nov 2013 that 'this should disappear from CRA in January 2014, if it doesn't get back to us' ...or similar.

 

This is now on CRA as default of 2010, records updated by Lloyd's in late January this year. So even if it was a case of it should disappear a month later, in feb, it won't as the actual default date is still wrong.

 

Advice on actions to take?

 

As I've already complained to Lloyd's re CC reappearing, and in reference to the comments in the loan letter, Lloyd's clearly have an issue with accounts which defaulted over 6 years ago and their reporting of them, whe they should not be applied to the CRA.

 

I have endured too much protracted communications with Lloyd's, I am still in a chain in a complaint about the loan, that i just want to put a stop to the repeated updating of the credit file inaccurately.

 

Any advice on what actions to take? Should I give them one more chance, or should I escalate to ico?

I don't have a great history with their Andover department as I was almost starting court action before they finally gave me full disclosure.

 

 

Thanks

CS

[citizenB]

I think you should have taken this to the Information Commissioner a good time back. So yes.. escalate it.

[cwab_sticks]

Hi citizen b,

 

Thanks, I suppose I knew the answer really, I'm a bit fed up with the number of formal complaints that has been necessary to Lloyd's. I feel I have been continuously complaining to them for over two years and they still continue to be incompetent. It is so frustrating, time to hand over to ico. Let them deal with the stress.

 

Thanks

CS

[BRIGADIER2JCS]

I agree correlate all the correspondence in chronological order with screen prints of CRA entries in chronological order.

 

 

Personally I would send copies to the FCA as well.