Credit Reference Agencies

maz1964

hiya NId

good morning and to all others following this thread

got here from your other thread im subbed to and again interesting reading, im not doing any housework this week due to reading so many of the info here :rotfl:

By the Way in the previous post rely no 51 - am i understanding the earlier you get a default the better cos then it will drop off auto after 6 years? whether the debt is paid or not? or disputed or not? ((mind you im getting to grips on a few of mine that have not been sent with sufficient time to recity the default or not sent in the correct and legal wording etc )) am looking at this more at the moment (any info you can share with me on any threads would truely appreciate your help) cheers
thanks again for all your hard work im learning so much this week :beer:

keep up the good work have fun

cheers maz

never-in-doubt

maz1964 wrote: »

By the Way in the previous post rely no 51 - am i understanding the earlier you get a default the better cos then it will drop off auto after 6 years? whether the debt is paid or not? or disputed or not? ((mind you im getting to grips on a few of mine that have not been sent with sufficient time to recity the default or not sent in the correct and legal wording etc )) am looking at this more at the moment (any info you can share with me on any threads would truely appreciate your help) cheers
thanks again for all your hard work im learning so much this week :beer:

keep up the good work have fun

cheers maz

Hiya

Yes the default expires 6 years from date of default whether paid or not, or in dispute or not. If you want to pursue illegal defaults then try this thread (lol sorry, so many isn't there)...

Invalid Default Notices - Default Removal

maz1964

hiya NID

thanks for the link and the info is fab

well lots to read but i think need to get some housework done in the next hour and then i can get back

mind you this is fun, im getting the housework done in record time just so i can get back to learn more

have a happy day cheers maz

never-in-doubt

maz1964 wrote: »

hiya NID

thanks for the link and the info is fab

well lots to read but i think need to get some housework done in the next hour and then i can get back

mind you this is fun, im getting the housework done in record time just so i can get back to learn more

have a happy day cheers maz

LOL - do some housework :rotfl: :rotfl:

Skiver! You don't need to learn, just ask us

KxMx

Did start another thread, but have requested a £2 report from Equifax & Experian.

Experian have asked for supporting documents, but i've had a credit report from them in the past, no documents required.

All the personal info is the same, apart from I now have a store card, could that be the reason?

never-in-doubt

KxMx wrote: »

Did start another thread, but have requested a £2 report from Equifax & Experian.

Experian have asked for supporting documents, but i've had a credit report from them in the past, no documents required.

All the personal info is the same, apart from I now have a store card, could that be the reason?

Not a valid reason to request additional info but under DPA they have to make sure they are speaking to the right person etc and they are well within their rights to demand ID, if they deem it necessary.

I'd send it off to them, send a copy....

marciekandthefunkybunch

How do you get to speak to someone at call credit??? i have a ccj which was cancelled by the court and the registry trust confirmed they had sent the electonic information to them august 9th but it still is showing on the credit file...i am so frustrated!!! It has been taken off experion and equifax. How are companies allowed to keep all this data on you and you can;t even speak to them. Who do i complain to higher???

Gogster

Who can I complain to about a credit reference agency & O2?

I have a default on my file, it's almost 6 years old - 1 month away, but we're in the throws of applying for a mortgage.

That aside it's infuriating, O2 can't find any information about it and believe it was sold on (it's on for £53) and Exquifax are refusing to do anything unless O2 tell them to.

They keep sending emails back and force saying one has contacted the other for more information and I'm sick of it. I must be able to rise this to a higher authority?

jackjones01

Gogster wrote: »

Who can I complain to about a credit reference agency & O2?

I have a default on my file, it's almost 6 years old - 1 month away, but we're in the throws of applying for a mortgage.

That aside it's infuriating, O2 can't find any information about it and believe it was sold on (it's on for £53) and Exquifax are refusing to do anything unless O2 tell them to.

They keep sending emails back and force saying one has contacted the other for more information and I'm sick of it. I must be able to rise this to a higher authority?

Patience is all is required here you may just have to wait for the default to drop off automatically as the information recorded is a true reflection on how the account was managed. Unless your saying the information was registered incorrectly?

Gogster

jackjones01 wrote: »

Patience is all is required here you may just have to wait for the default to drop off automatically as the information recorded is a true reflection on how the account was managed. Unless your saying the information was registered incorrectly?

The reason why we believe it was sold on, I've settled a debt to Lowell Portfolio for the same amount, although they had very little information about it and had to 'ask a team in their company to re-open the file' so I could pay it.

We think it's a duplicate of that one.