Sub Prime Credit Thread Part II

Innocent_Guy

never-in-doubt wrote: »

remember a lot of the 'junk' is not mine and decent lenders must see this. I have like 5 active accounts and maybe 50 searches that are mine. As it is such a mess with different dispute text against different things the lenders must see the difference? I dunno mate - its only usually the RBS cards that accept me then write and decline at later date so in effect i'm not being accepted am I? :mad:

Will be brilliant when your 6 month ban is lifted.

I think I have 7 / 9 well run accounts showing

Innocent_Guy

never-in-doubt wrote: »

LOL my appeal was CIFs that got edited by CIF..... think it came out at the time I appealed BOI gold card mate......

I know it cos of the phrases used - its my termanology if you read it LOL

Ok.......... Can you please help me out abit and advise what I should put in about the identity theft and Experian supposedly correcting it.

Innocent_Guy

never-in-doubt wrote: »

LOL the appeal latter originated from me then CIF personalised to suit his needs..... think it came out at the time I appealed BOI gold card mate......

I know it cos of the phrases used - its my termanology if you read it LOL

so use CIF's and just take out the bit about benefit and replace with income etc

Lee is APPARENTLY sending me a letter confirming the data doesn't belong to me and in HIS opinion there is NO adverse on my file

never-in-doubt

Innocent_Guy wrote: »

Ok.......... Can you please help me out abit and advise what I should put in about the identity theft and Experian supposedly correcting it.

you wouldn't mention that in an appeal mate? Why would you? If that was truth then you need to add notice of correction on CRA and take a print so they can see that you're dealing with it etc and not just saying that to them....

Thus they ask for 3 months bank statements in an appeal, not copies cos its easy to lie (if you wanted to)

Innocent_Guy

never-in-doubt wrote: »

you wouldn't mention that in an appeal mate? Why would you? If that was truth then you need to add notice of correction on CRA and take a print so they can see that you're dealing with it etc and not just saying that to them....

Thus they ask for 3 months bank statements in an appeal, not copies cos its easy to lie (if you wanted to)

Please see my previous post re tesco decsions. I didn't fail there score ( which is when they ask for statements ) I failed because it showed ADVERSE. I need to prove the ADVERSE isn't mine and has been dealt with buy Experian & the providers.

Innocent_Guy

They also asked for a copy of my credit file

never-in-doubt

Innocent_Guy wrote: »

Lee is APPARENTLY sending me a letter confirming the data doesn't belong to me and in HIS opinion there is NO adverse on my file

yea but his opinion does not count and does not matter and any lender will also restrict this because he does not have an opinion in the eyes of the law.

He simply has to use the facts that are in front of him, what he thinks doesn't come into things.

In the email I got a copy of, he basically accused me of 1st class fraud - funny cos I sent a letter showing my old landlord rent and a copy of council tax bill etc for previous address - to finish the fight I sent a copy of a letter from my solicitor confirming I sold the house and the amounts! Lee still 'thinks' I lived at the address I never!

Funny eh?

Thats what opinions do......

Innocent_Guy

Innocent_Guy wrote: »

Please see my previous post re tesco decsions. I didn't fail there score ( which is when they ask for statements ) I failed because it showed ADVERSE. I need to prove the ADVERSE isn't mine and has been dealt with buy Experian & the providers.

See #6054 for what tesco advised me

cifpower

PROLIANT wrote: »

Cif, can I use your letter please?

Course you can. Just pay the £40 reproduction fee

never-in-doubt

Innocent_Guy wrote: »

Please see my previous post re tesco decsions. I didn't fail there score ( which is when they ask for statements ) I failed because it showed ADVERSE. I need to prove the ADVERSE isn't mine and has been dealt with buy Experian & the providers.

Right to prove adverse isnt yours then you declare it isnt and send a copy of each file pointing out the errors.

Thats all i'd do mate..... as for letter from experian, this won't have any weight cos tesco will say the same as me - who is Lee to decide what is factual or not, there is a process and this is called a notice of dispute/correction.