Bankruptcy Credit Reference File Clean Up - Discussion

fermi

Sorry. I thought you meant you had lost those as well.

If you can find those (or get copies) then that will make it much simpler.

DON79

fermi wrote: »

Sorry. I thought you meant you had lost those as well.

If you can find those (or get copies) then that will make it much simpler.

Emmm well they are lost sort of lol! they are in the house somewhere around! filing was never my strong point.

fermi

DON79 wrote: »

Emmm well they are lost sort of lol! they are in the house somewhere around! filing was never my strong point.

I know that feeling. :cool:

markbass

Hi guys, i really need some help!!

I sent my clean up letters off to all my creditors two weeks ago along with all the relevant information they needed to access my account and one of them has replied saying..... "they've been unable to locate my account from the details i provided"

Well i know the account number to the debt in question is correct because i've checked it three times over!!...the creditor is ...'LOMBARD DIRECT' (loans)

Could some one please confirm if the below address is the correct one for the DATA CONTROL OFFICER for Lombard Direct...


The Royal Bank Of Scotland PLC
36 St Andrew Square
Edinburgh
Midlothian
EH2 2YB

I used the link in the sticky to check the correct address and it confirmed it, but if any of you know different could you please give me the correct address to contact for LOMBARD DIRECT..

I mean the letter they replied to me with is headed RBS Natwest, Credit card operations!!!!!

I'm totally confused ..did i send the letter to the wrong address or are they trying to be funny and awkward.


cheers Mark.

philnicandamy

markbass wrote: »

Hi guys, i really need some help!!

I sent my clean up letters off to all my creditors two weeks ago along with all the relevant information they needed to access my account and one of them has replied saying..... "they've been unable to locate my account from the details i provided"

Well i know the account number to the debt in question is correct because i've checked it three times over!!...the creditor is ...'LOMBARD DIRECT' (loans)

Could some one please confirm if the below address is the correct one for the DATA CONTROL OFFICER for Lombard Direct...


The Royal Bank Of Scotland PLC
36 St Andrew Square
Edinburgh
Midlothian
EH2 2YB

I used the link in the sticky to check the correct address and it confirmed it, but if any of you know different could you please give me the correct address to contact for LOMBARD DIRECT..

I mean the letter they replied to me with is headed RBS Natwest, Credit card operations!!!!!

I'm totally confused ..did i send the letter to the wrong address or are they trying to be funny and awkward.


cheers Mark.

Its correct...the same listed on the ICO websearch

Registration Number: Z5619639

Date Registered: 03 August 2001 Registration Expires: 02 August 2010

Data Controller: THE ROYAL BANK OF SCOTLAND PLC

Address:
36 ST ANDREW SQUARE
EDINBURGH
MIDLOTHIAN
EH2 2YB
Other Names:

RBS
RBOS
ROYAL BANK
MINT
CHURCHILL
LOMBARD DIRECT
FIRST ACTIVE
LOMBARD BANKING SERVICES
DIRECT LINE
NATWEST MENTOR SERVICES

bradders83

2) Write a strong reminder letter to Santander. Head it "Letter before action", and demand that they update the record. Also dispute the entry through the credit reference agencies for good measure, as that makes it harder for them to ignore.



Hi again, and thanks for your help!

How do i go about disputing the entry on Experian?

Cheers, :beer:
Brad

markbass

philnicandamy wrote: »

Its correct...the same listed on the ICO websearch

Registration Number: Z5619639

Date Registered: 03 August 2001 Registration Expires: 02 August 2010

Data Controller: THE ROYAL BANK OF SCOTLAND PLC

Address:
36 ST ANDREW SQUARE
EDINBURGH
MIDLOTHIAN
EH2 2YB
Other Names:

RBS
RBOS
ROYAL BANK
MINT
CHURCHILL
LOMBARD DIRECT
FIRST ACTIVE
LOMBARD BANKING SERVICES
DIRECT LINE
NATWEST MENTOR SERVICES

Thanks, i thought it might be correct, i'll try again with them.

fiveyearplan

fiveyearplan wrote: »

I spoke to both courts this morning and at first neither of them were going to play ball. After I said some courts are able to help in these matters they went off to seek clarification and came back and said send in BR order etc. I have now written of letters to both courts and will post them recorded this afternoon.

I also emailed my OR and he said that is not something he has any control over so cannot help. He is genuinely quite helpful on other matters so don't think he is being lazy - just might not know or really think he can do anything. He suggested I write to creditors. I'll stick with the courts and see what they come back with.

Regarding the rest of the clean up I have written letters to all creditors to mark file as settled (as per template letter), most seemed to have the correct default date already but only one of them had £0 balance.

Lastly (for now!) I have written to all 3 credit reference agencies to have any financial association with my 19 year son removed from mine and OH's file.

All in all I feel that is a good day's work! I hope there isn't a queue at the post office!

UPDATE: I got a letter today from Bradford CC to say they have set aside one of my CCJs. One down 2 to go. The other 2 are with Northhampton Bulk Centre.

I also received a letter from one creditor to say they will change my CRF to partially satisfied. This is one that wasn't registered with CRA but I needed to write to them because they still send me statements each month etc. and have ignored the fact that I was BR.

motherb

Hi ferni just received copy of my sons credit report on two of his accounts even though they are marked with an s in the final box insted of a tick in the payments they are marked with uc instead can you tell me why as when he went for a morgage and sh e was going through his file she didnot know what this meant he has no defaults just a couple of late payments but was turned down any help appreciated thanks.

S4S

S4S wrote: »

I've been reading through the forums as I went through my BR and am at the stage where I've received the main three credit files: Experian, Equifax and CC.
They are now all clean as I can see it but one of the entries in the Equifax gives me concern. It says:

Terms: 0 @ 0 Monthly.

Balances:
Limit: £1500
Start: £0
Current: £+1601

Effective dates:
Start: **/01/2003
Birth: **/**/****
Insight last updated: **/07/2008
Monthly status: ...................0000000000000000

The other account on this particular credit report has an end date and a current amount of £+0, so this one is giving me concern.

Has anyone seen this before?

Thank you in advance.

S4S

Is there anyone who can help comment on this? I'm having difficulty understanding it.

Thank you.