Petition to No.10 Downing Street

poker-playa

After 3 years

Brian1966 wrote: »

Thanks mate.. appreciated.:beer:

How do I get into your clicky gang then mate the anti banks gang Just be cheeky to the high horse brigade?

ElkyElky

After 3 years

poker-playa wrote: »

How do I get into your clicky gang then mate the anti banks gang Just be cheeky to the high horse brigade?

LOL! :rotfl:

poker-playa

After 3 years

ElkyElky wrote: »

LOL! :rotfl:

I was watching you this morning drunken man :beer: Headache?

ElkyElky

After 3 years

poker-playa wrote: »

I was watching you this morning drunken man :beer: Headache?

Noo. I usually make sure I drink a lot of water before going to bed, that fortunately cures my hangovers. :j

poker-playa

After 3 years

ElkyElky wrote: »

Noo. I usually make sure I drink a lot of water before going to bed, that fortunately cures my hangovers. :j

good advice..... cu l8er guys :beer:

never-in-doubt

After 3 years

poker-playa wrote: »

How do I get into your clicky gang then mate the anti banks gang Just be cheeky to the high horse brigade?

Lol, what are you like! We don't have a 'clicky gang' - we just agree on the finer points of consumer rights...... :beer:

It's not wise to be cheeky, yea some people will wind you up but just stand your ground and try to be nice cos the rules are changing soon (yellow/red/black card system) so rudeness will no longer be tolerated - even by long-standing members.... great news if you ask me.

What's also interesting is that they are changing the way thanks and posts are added, for instance someone on here has 100,000 posts but most come from chat forum and not the MSE advice part (i.e. this board) and so the new rules will stop adding to the count unless it is in specific boards..... That way newbies will be able to determine a fairer picture of who is helpful and who is full of idle chit-chat!

Our 'gang' is free to all that want to fight for consumer rights... you're more than welcome :beer:

cosmic_girl

After 3 years

It really is quite sad when people feel the need to get personal during a debate or discussion. So you don't have the same opinions as others, that is fine, but absolutely no need to get personal.

From what I have read on this forum, there seem to be numerous people who have had problems and issues with Credit Reference Agencies and the like and N-I-D has helped a great many people sort out those problems. Whilst I have never had any issues with CRA's myself, I don't believe that their practices leave a lot to be desired based on the problems that others have had - they can't all be wrong.

Brian1966

After 3 years

Firstly... I really MUST pay attention.. just inadvertantly THANKED Ms Tiddlywinks...shoot me now people.
Anyway..back to the matter in hand.
To ALL the pro-credit reference brigade..
Typical scenario that occurs regularly..
Out of the blue..SCUMBAG DCA sends you a letter along with countless others with same initial and surname.
Jist of the letter..we believe that you owe ABC credit card £2000, please phone us on 01234 56789 if you are not the person in question.
Like most you think SCAM and bin the letter.
10 days later another one arrives...because you didn't get in touch basically they now ASSUME that you are the debtor.
Again...you know that you are totally innocent so bin the letters...why should you contact them after all if you owe nothing.
A few weeks later you apply for credit and get declined so decide to check your credit report as you are and always have been responsible.
Horror of horrors...SCUMBAG DCA has placed a default on your report.
The CRA's are only TOO HAPPY to record this info on their say so..FACTUAL or NOT.
Now...comes the hard part...cleaning up your credit file...write to the CRA's they refer to perso marking the default who insist it is correct.
THE CRA's take is..'the DCA's say it must stand so we cannot remove'
You then have to go through months of hassle to enforce removal despite the fact that it shouldn't have been there in the first place
So Ms Tiddlywinks...tell me and the others...how can this be LAWFUL?
Trashing a persons credit file on the say so of a DCA who merely makes assumptions?

Tiddlywinks

After 6 yeards

Brian1966 wrote: »

..................````

Jist of the letter..we believe that you owe ABC credit card £2000, please phone us on 01234 56789 if you are not the person in question.
Like most you think SCAM and bin the letter. First mistake - why not call the DCA or respond in writing?
10 days later another one arrives...because you didn't get in touch basically they now ASSUME that you are the debtor.
Again...you know that you are totally innocent so bin the letters...why should you contact them after all if you owe nothing. Eh, because there is clearly a problem which you should want to sort out rather than ignore it and let it escalate.
A few weeks later you apply for credit and get declined so decide to check your credit report as you are and always have been responsible.
Horror of horrors...SCUMBAG DCA has placed a default on your report.
The CRA's are only TOO HAPPY to record this info on their say so..FACTUAL or NOT. They are recording a feed from a financial institution - it is not feasible for them to check that each feed is correct.
Now...comes the hard part...cleaning up your credit file...write to the CRA's they refer to perso marking the default quite correctly who insist it is correct.
THE CRA's take is..'the DCA's say it must stand so we cannot remove' I can understand this stance - otherwise some would try writing to them to deny responsibility for their debts even though the details held were correct
You then have to go through months of hassle to enforce removal despite the fact that it shouldn't have been there in the first place But if you'd engaged with the DCA in the first place then this would not have reached such a stage anyway
So Ms Tiddlywinks...tell me and the others...how can this be LAWFUL? It IS lawful - get used to it
Trashing a persons credit file on the say so of a DCA who merely makes assumptions? Your beef should be with the DCA and NOT the CRA they are only reflecting the feed from the financial institution

Comments in red text above..... The CRAs only report based on the information provided by third parties - if data is incorrect then go to the financial institution.

BTW, no need for formalities (as in Ms Tiddlywinks), you can call me Tiddly:p

mabski

After 3 years

Tiddlywinks wrote: »

Comments in red text above..... The CRAs only report based on the information provided by third parties - if data is incorrect then go to the financial institution.

BTW, no need for formalities (as in Ms Tiddlywinks), you can call me Tiddly:p

your talking rubbish tiddly i currently am in a dispute with lloyds over bank charges which im trying to claim back (i've paid £1500 but they reckon i owe another £500).they have put a default on my credit file making getting credit impossible. i know in the end the £500 debt will be wiped but in the meantime the default stands . how fair is that ,the bank who are in the wrong have crippled my chances of gettting credit yet the cra will stand by them