Sub Prime Credit Thread Part II

Innocent_Guy

never-in-doubt wrote: »

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......

I assume that you are not going to let him get away with it and are pursuing slander?

wannabe123

well i got declined by tesco for credit card just sent an appeal with a lot of info attached hoping i get a yes but wont hold my breath lol

Innocent_Guy

never-in-doubt wrote: »

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.

I cannot add a NOC as the info doesn't and never has showed on my CF. When lenders search me it shows them......... They have to attach the NOC to any addresses / accounts that you dispute. If I / Experian cannot see them then no NOC can be added.

never-in-doubt

Innocent_Guy wrote: »

I assume that you are not going to let him get away with it and are pursuing slander?

mate i'm not too bothered so long as he deletes the wrong data....

Thats all I want doing, my stuff to show - the other stuff to go.

I dont want to take anyone to court, deep down. But enough is enough - 6 months of hell from this CRA and in particular - Mr Hancock and his 'opinions'.... :rotfl:

Innocent_Guy

wannabe123 wrote: »

well i got declined by tesco for credit card just sent an appeal with a lot of info attached hoping i get a yes but wont hold my breath lol

Let us know the outcome

never-in-doubt

Innocent_Guy wrote: »

I cannot add a NOC as the info doesn't and never has showed on my CF. When lenders search me it shows them......... They have to attach the NOC to any addresses / accounts that you dispute. If I / Experian cannot see them then no NOC can be added.

Hang on;

for the lender to see them means they must be there mate - thats the way it is..... no disputing that.

Therefore you need to be going down the route of ICO complaint and cease all comms with Experian.

Have you had Experian sar yet? Or call credit/equifax?

That should shed some light on things mate

Innocent_Guy

never-in-doubt wrote: »

mate i'm not too bothered so long as he deletes the wrong data....

Thats all I want doing, my stuff to show - the other stuff to go.

I dont want to take anyone to court, deep down. But enough is enough - 6 months of hell from this CRA and in particular - Mr Hancock and his 'opinions'.... :rotfl:

All the incorrect data / links HAVE been removed on my file

never-in-doubt

back in a few hours........ take it easy

never-in-doubt

Innocent_Guy wrote: »

All the incorrect data / links HAVE been removed on my file

then what are you talking about with incorrect data? It must be there if tesco seen it!!! :mad:

Ring tesco and ask again why you were declined cos your reports are clear....... back later mate

Innocent_Guy

never-in-doubt wrote: »

Hang on;

for the lender to see them means they must be there mate - thats the way it is..... no disputing that.

Therefore you need to be going down the route of ICO complaint and cease all comms with Experian.

Have you had Experian sar yet? Or call credit/equifax?

That should shed some light on things mate

All I had before was 30 address links to addresses I have never lived at. They have now removed all the incorrect linked addresses.
Aqua told me when the searched me again that the incorrect data that they originally were supplied with had gone. I am getting conflicting stories from EVERYONE