credit file tidying

[bettybrush]

Hi,

 

 

I am trying to tidy my credit files up. I had money trouble 4/5 years ago. I have been sensible since then.

 

 

I was wondering if anyone can help me:

 

 

1. Lowell etc are searching my files like mad. Does this affect my credit score?

 

 

2. If I have ignored an account and it went into default, does it fall off my file 6 years after the default or is it longer?

 

 

3. If there are credit accounts that I don't recognise do I do a data request (the £10 thing) or is it a SAR (I am not sure what the difference is)?

 

 

Thanks in advance.

[Ford]

some of yr background re lowell? http://www.consumeractiongroup.co.uk/forum/showthread.php?446458-Lowell-adding-their-own-accounts-to-my-credit-files

 

yes, a legitimate default lasts for 6 yrs

some brief info re cra eg http://www.consumeractiongroup.co.uk/forum/showthread.php?445777-Online-Credit-Reports

 

what a/c's dont you recognise. wld hold off from doing requests on those atm. lets see what they are about first.

[fkofilee]

1 ) No these are personal searches i believe... So you and them will only see them (Aswell as CRA)

 

2 ) Yes 6 years from default date.

 

3 ) SAR is £10 PO request for personal info.

 

However please tell us more about the accounts. Maybe we can help.

[bettybrush]

Thank you Ford and FKO.

 

 

I have accounts for gothia, Myjar, kapama and redcastle. I really don't know what these are.

 

 

There is also an account that I have with Lowell for an old store card. The balance was about £500, they started CC proceedings last year and I defended it and they pulled out before a hearing. They have updated the balance of the debt to £900 (as if they had won their court fees!).

 

 

I thought I had read somewhere that there is a request for information that you send £1 off to get, but I could be confused.

 

 

I will have a look at those links you have posted now.

 

 

Thanks

[fkofilee]

Gothia is a DCA

MYJAR a PDL Firm

KApama are ex Minicredit - PDL Firm

Redcastle are part of Gothia...

 

As for those charges from Lowell, they shouldnt be applied if they pulled out and you cant be held responsible. One step at a time though.

 

When you check Clearscore and Noddle, what does it say for each account?

[fkofilee]

£1 PO - CCA Request to check for Consumer Credit Agreements

£10 PO - DSAR Request to receive all information under the DPA 1998

[Ford]

I thought I had read somewhere that there is a request for information that you send £1 off to get, but I could be confused.

 

Thanks

that sounds like a cca request for 1£

have you done one of those for those accounts?

[bettybrush]

Gothia is a DCA

MYJAR a PDL Firm

KApama are ex Minicredit - PDL Firm

Redcastle are part of Gothia...

 

As for those charges from Lowell, they shouldnt be applied if they pulled out and you cant be held responsible. One step at a time though.

 

When you check Clearscore and Noddle, what does it say for each account?

 

 

 

 

Thanks. For Lowell it says on Clearscore and Noddle the same thing, just a default and that the start balance is £615 (current balance is £984).

 

 

I was thinking of looking into trying to claim back some PDL interest. I went through a period of having lots and lots of them trying to stay afloat before I just couldn't handle the debt anymore.

[bettybrush]

that sounds like a cca request for 1£

have you done one of those for those accounts?

 

 

 

Thanks. I have not done a CCA or a SAR for any of them yet.