Credit Reference Agencies - Who Really Uses Who?! UPDATE

sutton111

UNDERGROUND wrote: »

Hi sutton

I had a settled default removed a few years back which was placed by Shop Direct Financial Services.

I wrote to SDFS stating that I thought they shouldn't have recorded a default on my credit file because part of the definition of a default is that an agreement has broken down between customer and company, but I had signed no such agreement.

They wrote back saying that they would remove the default as a gesture of goodwill (:rolleyes:) because the debt collection agency they sold the debt to had referred it back to them in the wrong timescale (I have no idea what this has to do with anything!) - this of course is complete !!!!!!, they knew very well they wouldn't be able to provide a copy of the default notice had I requested it and wanted me off their case. I wasn't bothered whether they admitted being wrong or not, I got what I wanted!

I later tried to get all information they had on my credit file removed on the grounds I never consented to my information being processed in that way but they refused. Unfortunately the Information Commissioner's Office agreed with SDFS

Also, I helped a mate get rid of a default recently which had been placed by HSBC. This was as a result of them not being able to produce the paperwork but took ages (around 7 months).

UNDERGROUND

See above in RED Innocent.

I think the Electoral Roll may have a little to do with it. I'm not sure what else. .

I'm going to SAR all the CRA etc soon, just can't quite afford it yet.

Innocent_Guy

sutton111 wrote: »

See above in RED Innocent.

I think the Electoral Roll may have a little to do with it. I'm not sure what else. .

I'm going to SAR all the CRA etc soon, just can't quite afford it yet.

Yes mate I read it but don't believe it.
Let's be honest why would they remove it as goodwill........???

Not sayin underground is lying but there must have been another reason i.e not CCA ( as underground said ) or something

sutton111

Innocent_Guy wrote: »

Yes mate I read it but don't believe it.
Let's be honest why would they remove it as goodwill........???

Not sayin underground is lying but there must have been another reason i.e not CCA ( as underground said ) or something

Bloody hell!! You sounded like NID then. LOL :eek:

I think that they had no CCA too. I think Underground mentioned it before.

Innocent_Guy

sutton111 wrote: »

Bloody hell!! You sounded like NID then. LOL :eek:

I think that they had no CCA too. I think Underground mentioned it before.

Noooooooooooooooooooooo...........

(Innocent stops himself morfing into NID)

:eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek:

never-in-doubt

sutton111 wrote: »

Bloody hell!! You sounded like NID then. LOL :eek:

I think that they had no CCA too. I think Underground mentioned it before.

and your point is..................??????

Innocent_Guy

never-in-doubt wrote: »

and your point is..................??????

I think he was suggesting I was becoming argumentitive

never-in-doubt

Innocent_Guy wrote: »

I think he was suggesting I was becoming argumentitive

yea, and your point is........................?????? Mate, i aint argumentative - just right lol :beer:

never-in-doubt

UNDERGROUND wrote: »

Perhaps you should focus on if they have copies of the default notices.

I'm guessing you never received them and would like a copy right?

Have a look at this: http://www.learnmoney.co.uk/credit-cards/remove_default_notice.html

You may well have seen it before. I'm not saying it works or condoning such action, but it's an avenue to consider.

Regards
UNDERGROUND

U/G why refer ppl to LM when you got CAG/MSE as 1st choices?

Ermmmm, why>

System

never-in-doubt wrote: »

U/G why refer ppl to LM when you got CAG/MSE as 1st choices?

Ermmmm, why>

Because I like the way it's laid out in a nice simple step by step process.

And really, does it matter?

UNDERGROUND

Innocent_Guy

Good Evening