Statute Barred - Incorrect Data
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SugaMouth
Posts: 7 Forumite
Good Morning All,
Apologies if this is considered a repost, but the question I have now seems unrelated to the original thread that I started.
Long story short, I received a letter (and note on my credit file) out of the blue. As the default is noted as being 6yr+ old - i sent a statute barred letter.
The response that i received stated that i had made a payment in 18/7/2014 so the case would remain until 2020!
Frankly this didn't ring true as I have no recollection of any dealings with these chaps in the first place, so I looked up my online banking from that date. As I suspected, there is no payment on or around that date.
Common sense dictates that I simply need to go back to them asking for actual proof of this transaction, but erroneous or falsified info such as their last response is more than a bit worrying. Would it be worth me engaging anyone like the FCA based on this? Or is it common for the data to be a bit off?
Thanks in advance.
Andy
Apologies if this is considered a repost, but the question I have now seems unrelated to the original thread that I started.
Long story short, I received a letter (and note on my credit file) out of the blue. As the default is noted as being 6yr+ old - i sent a statute barred letter.
The response that i received stated that i had made a payment in 18/7/2014 so the case would remain until 2020!
Frankly this didn't ring true as I have no recollection of any dealings with these chaps in the first place, so I looked up my online banking from that date. As I suspected, there is no payment on or around that date.
Common sense dictates that I simply need to go back to them asking for actual proof of this transaction, but erroneous or falsified info such as their last response is more than a bit worrying. Would it be worth me engaging anyone like the FCA based on this? Or is it common for the data to be a bit off?
Thanks in advance.
Andy
0
Comments
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Your first post of call is to dispute it with them and/or the CRAs. Then escalate to FOS.
The FCA don't deal with consumer complaints.0 -
Thanks for your response. I'll draft a response this afternoon.0
This discussion has been closed.
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