How to get back on the credit ladder

never-in-doubt

marcellep wrote: »

Yes and had a reply today

I am not going to post the entire letter, here is the bits that may interest you.

• We do not intend to continue with protracted correspondence reagrding this issue.
• We have legally complied with your requests and we are confident in our stance regarding this matter
• We will acknowledge any letter you send us
• We will not send you a chaeque, we will deduct the £96 to the unpaid debt
• I strongly suggest you contact the FOS

This letter was from Steve Howland - Head of executive response

Ok, let the FOS deal with it then ;-)

You have an active complaint with them anyway - we knew it would go this far and they will send you a cheque! lol - idiots!

Let me know when fos been in touch mate.....

chally3411

Hi, i have recently finished a trust deed and in a bid to repair my credit rating i firstly joined equifax then i wrote to the six companies which showed as default on my credit record with copies of my discharge and asked for the information to be updated. All but two, Cahoot and Egg have amended my record, cahoot actually sent me a default notice dated two years ago for the debt that was included and protected in the trust deed. So far equifax and the company that dealt with my trust deed have also written to Egg and Cahoot asking for my record to be amended they also sent copies of my discharge but to no avail. Do these companies have a legal obligation to update this information? Is there anything else i can do? Lawyers letters ect?

izools

I would write to Egg & Cahoot explaining that they are to ensure the default date is on or prior to the date of the trust deed and marked as satisfied.

Enclose proof of settlement of the trust deed, and advise they have 28 days to comply with your lawful request to have non bona fide information corrected as per the data protection act.

Advise failure to resolve the situation within this time frame may result in your taking action through the Information Commissioners Office and / or commencing legal proceedings for breach of Data Protection and Defamation of Character.

Good luck!

captainhaggis

....ANOTHER excellent thread from NID

Outstanding work!

never-in-doubt

captainhaggis wrote: »

....ANOTHER excellent thread from NID

Outstanding work!

Will be better when we beat Crappy1 mate - we have them where we want them now though

Rainy_2

Fantastic fantastic!

So close now with the Crappy1 saga. Fingers and toes crossed :T

marcellep

Time for me to post again!

Well it's been a few weeks now and I have heard nothing back from anyone, I guess it will take months now

never-in-doubt

izools wrote: »

I would write to Egg & Cahoot explaining that they are to ensure the default date is on or prior to the date of the trust deed and marked as satisfied.

If the account defaulted before the trust deed then the default can remain. They can still default you even though you do a TD/IVA - you know this right? Its not classified as 'pursuing a debt', moreso reporting the actual account conduct.

The only exception would be if you paid up in full or whatever and then they added the default after you paid up. Then you can fight for removal. :mad:

It is pointless arguing for default removal unless the OP can be a lot more specific.....

never-in-doubt

marcellep wrote: »

Time for me to post again!

Well it's been a few weeks now and I have heard nothing back from anyone, I guess it will take months now

Things will be quiet mate, you're waiting on the governing bodies to respond and as you appreciate, they are a little busy :rotfl: :rotfl:

Just hold on in there, will be sorted soon enough for you

marcellep

I am still about

Still heard nothing @ all

:mad: