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    • malnuman
    • By malnuman 3rd Oct 16, 10:56 PM
    • 15Posts
    • 11Thanks
    malnuman
    Letter templates links please
    • #1
    • 3rd Oct 16, 10:56 PM
    Letter templates links please 3rd Oct 16 at 10:56 PM
    Hi, I have been trying to find some letter templates on the forums but can't seem to find them.. My DRO has been finished over a year now but on my recent credit report some of my ex creditors still have my balance as it was on my default, so any well worded template letters to ask them to amend this would be helpful, so can anyone point me in the right direction, thanks
Page 1
    • memberme
    • By memberme 5th Oct 16, 1:35 PM
    • 161 Posts
    • 39 Thanks
    memberme
    • #2
    • 5th Oct 16, 1:35 PM
    • #2
    • 5th Oct 16, 1:35 PM
    There is an online list under the search for bank data controllers and these are who you need to send a letter to. Sending to customer services etc is pointless. i have done this and it works fine. The letter below is standard and can be found online and works for bankrupts and IVA's

    Re: Account Number ...............
    After consultation with both the Information Commissioner and the Credit Reference Agencies, I am writing directly to you to request that you formally update my credit files in accordance with the Data Protection Act.

    I had an IVA with official start /default date of ........ and subsequently this was completed on ........ with e.g. ClearDebt Ltd.The above account (credit card / loan details company and account type details), controlled and issued by the bank of .....) was included within the IVA arrangement (or pre existed). For your convenience I have a copy of the IVA completion letter, copy of one of the annual reports detailing this account and the notice of completion, including relevant dates.

    Currently the information that you have recorded against my name with the Credit Reference Agencies is factually incorrect and as yet your company has failed to correct the entries as required.

    It is required the default date must be no later than .........(6 weeks from date sending) in accordance with the Data Protection Act.

    It is also required that you now mark the account settled or satisfied, in accordance with the Data Protection Act. Currently this is not the case for any of the three main UK credit reference agencies.

    The Information Commissioner has indicated that I should allow you 28 calendar days from the date you receive this letter to comply, during this time you are requested either to update the Credit Reference Files correctly (of all three Credit Reference Agencies) or notify me in writing the reasons that you refuse to.

    After the 28 days have elapsed the Information Commissioner has requested that I inform them if your company fails to update the records so that they may take any necessary enforcement action against your company.

    Please note that if this account falls within the remit of the FOS, I will also be submitting a separate complaint to them regarding this matter if the Credit Reference Files are not correctly updated.


    Yours faithfully
    • malnuman
    • By malnuman 6th Oct 16, 7:34 PM
    • 15 Posts
    • 11 Thanks
    malnuman
    • #3
    • 6th Oct 16, 7:34 PM
    • #3
    • 6th Oct 16, 7:34 PM
    Thanks for the reply, I have found the data controllers list for the banks.. really useful info you gave, thanks for the letter guide too
    • memberme
    • By memberme 10th Oct 16, 2:05 PM
    • 161 Posts
    • 39 Thanks
    memberme
    • #4
    • 10th Oct 16, 2:05 PM
    • #4
    • 10th Oct 16, 2:05 PM
    worked for me, but can take a number of weeks.

    Also make a note of the date you send the letter on so you can know when to complain, but they usually sort it .

    send hard copy recorded so you have proof of postage and receipt and keep it.
    (send a copy of the key page of your letter of completion with it)
    good luck
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