EGG Arrangement to Pay

[webinteractions]

Hi,

 

I am preparing to apply for a mortgage and have checked my credit file using Experian and Equifax. Equifax is showing an 'arrangement to pay' for four consecutive months in Feb 2009 and my account settled in April 2010, yet there is no mention of this in Experian.

 

I would really like to find out more information regarding why they have done this. I don't remember any conversation about putting me on a payment plan/

 

So, how would i go about finding this information out? Also, do i stand a chance of getting this removed?

 

I appreciate any feedback you could give me.

 

thank you/

[dx100uk]

sar to Canadian square address

 

dx

[BRIGADIER2JCS]

I agree best idea.

[webinteractions]

Thank you for your reply.

 

Would you mind confirming that this is the correct address:

 

Canada Square Operations

PO Box 4903

Worthing

BN99 3AR

 

Also, i don't have any details of this account. If i provide previous addresses, DOB, Name and inform them i had a credit card. Will that be sufficient enough information for them to track down my account? I don't them to send a letter back with some excuse! Using Equifax, i have start date and date satisfied and the last 4 digits of the account number/credit card number not sure which it is.

 

For the £10 i will have to go to the post office so i will use a postal order. Who do i make this payable to? Canada Square Operations?

 

thank you both for your help, i really appreciate it!!

[dx100uk]

the mcol should have the claimform should have the card number?

 

if not the cra file will hold the last 4 digits?

 

an sar is on YOU not the card.

 

so if all effect, its needs no number as such.

 

you certainly need to include the address when the card was acquired

and any other details you think fit to ID you.

 

I would also inc a copy of your CTAX bill or some other official doc

to prove you are resident where you are now

 

dx

[webinteractions]

Superb! Letter done. I will send it tomorrow morning. I will include the council tax bill.

 

Thank you!!

[webinteractions]

Oh, are you able to confirm that is the correct address?

[webinteractions]

If anyone comes across this thread. The above dress is correct! Stated here : http://www.consumeractiongroup.co.uk/forum/showthread.php?395825-Egg-Canada-Square-Rejection

[webinteractions]

I've searched high and low for my council tax bill but to no avail. Do you think they will accept a utility bill (water)? Or would it be best to request another one from the Council?

[dx100uk]

water ok.

 

dx

[webinteractions]

Hi,

 

Well i am still waiting for the documentation to come through. It's taking an age but in the mean time i have been trying to piece together exactly what happened. This is my theory:

 

Judging from my credit history I went over my credit card limit by £35. They must have rang and suggested they would increase my credit card limit temporarily and asked if i would pay twice my usual monthly payments over the next four months - £25 to £50. This lasted for four months in which it reverted back to normal.

 

Not once did they inform me this would have any adverse effect on my credit and definitely didn't mention an 'arrangement to pay'. I have looked up the arrangement to pay definition on the ICO website. It states:

 

"An ‘arrangement to pay’

 

This involves a temporary, short-term (up to six months) arrangement

where the lender agrees to accept reduced payments. "

 

Now, i didn't ask them to reduce payments and in fact i paid twice as much! I didn't ask them to halt any interest and they came to me to suggest this arrangement and did not inform of any adverse implications it would have on my credit report. Anyone have any idea whether my complaint could be upheld and the Arrangement to Pay removed from my file?

[BRIGADIER2JCS]

Hi, Did you press the point that you were paying double not less each month?

SAR time scale is 40 calendar days from the date received by the creditor.

[webinteractions]

They have replied today saying i needed to sign it, 90% sure i did but sent it off again today. Does the 40 day count start again? They state in their letter "Please resend your request with your signature to enable us to release your documents." I hope that means they are sat waiting to be sent out..

 

I haven't sent my complaint yet. I wanted to get opinions from you fine people first and see if anyone else has any other points to raise or suggestions. When i do write my complaint I think my letter will raise several points, these are as follows:

 

1) Arrangement to Pay markers on my account on this particular occasion is unjustified and unfair. Perhaps 1 month late payment marker would have been more appropriate?

2) I was not made aware the implications on my credit report of agreeing to their suggested plan.

3) As you mentioned, paying double the amount and not less which is not in accordance to the definitions set by the ICO. (I have bank statements to prove i paid double during the 4 months of the AP Markers). I will send these off with my complaint.

4) Still paying interest on the credit card payments.

 

I have spent hours on forums trying to find someone with a case like mine to no avail. I have found many who were on DMPs, or asked them to reduce the payments or asked to halt interest and/or paying token payments of a £1 a month etc etc. But nothing like this! What do you reckon my chances are?

Edited March 19, 2014 by webinteractions

[BRIGADIER2JCS]

Hi No the 40 days runs from the day they received the original SAR.

It is not often we see cases where a person can agree to pay more to resolve a problem as you can probably guess.

 

 

I think recording this as an AP is manifestly unfair.

 

 

A formal complaint to the Data Controller of the creditor is often very effective in such matters. I would think the AP markers were decided by their software with no human intervention e.g. anything agreed that is different from that contractually required must have a label.

[dx100uk]

40 days starts from when they get a compliant sar request

[webinteractions]

Again, thank you for taking the time to reply.

 

I hope you're right. I am looking forward to receiving the SAR and preparing my complaint!

 

I will keep this thread updated in the hope it helps others.

[clareallan]

I replied to this because I am in exactly the same position as you and I thought we might be able to help each other but it's been moved to another thread. Just hope you see it there.

[webinteractions]

Hello ClareAllan.

 

I've had a look at your thread and cannot believe how similar our situations are! I sent my SAR around the February 13th along with gas bill to prove who i am but i must have forgotten to sign the letter as they came back mid March asking for the request again with a signature, so don't forget to sign! I am still waiting for the documentation, think its around 45 days now since the original request so i am getting slightly impatient. I will give it till April 14th before sending a letter reminding them of the 40 calendar days to reply.

 

I have subscribed to your thread and I will definitely keep you informed of my progress.

[BRIGADIER2JCS]

There is absolutely no reason for not signing a SAR, would you like your data to be available to any person who might have even minimal details of one of your accounts?

[clareallan]

Oh good! I'm so pleased we've made contact. I will also be sure to keep you posted. Like you, I definitely was not informed of any effect on my credit rating, nor that this was an arrangement to pay. They did not freeze the interest and I kept up at least the minimum payments (whether I paid more I'm not sure - I'll have to check that out). As you say, this does not fit the ICO definition as to what constitutes an Arrangement to Pay and therefore surely having it marked as such on your credit history is misinformation.

[webinteractions]

There is absolutely no reason for not signing a SAR, would you like your data to be available to any person who might have even minimal details of one of your accounts?

 

Eh?! Did you read my post correctly?

[webinteractions]

hi all,

its been around 60 days since they received my original SAR (unsigned)

 

and a little over 20 days since i sent the original request but with my signature.

 

I am also counting weekends as i am sure i read that they count?

 

Am i being impatient or is it time to send them a letter reminding them

 

they have not complied within the 40 day ruling?

[dx100uk]

the 40 cal days runs from when they receive a compliant SAR.

 

dx