Bank of Scotland Taking my credit card away. Advice needed.

never-in-doubt

Tell CallCredit to sort it, if they do not you report them to the ICO. They will deal with it, just takes a few weeks to sort out.

It will have no affect when all the wrong data has been removed.

speedbird1973

1) You should chase this up, becasue YOU are the one that's f*cked if you don't (it's not call credit's responsibility they just report on what they're given)

2) If it's only CallCredit then you'll be able to get most credit cards as they won't check that CRA (they oftern use them to supplement their existing info as I believe they're less expensive)

never-in-doubt

Most companies now subscribe to CC as part of their processing - especially unrecorded enquiries.

But you're right, they are cheaper but best to get it sorted at some point and easy to do (just dispute the entries and demand removal or proof of ownership)..

CallCredit have to remove the erroneous data or you can sue for Libel & possibly more - defamation.

nc1873

They were the only company wanting money up front to see my Credit Report.

£12 for 3 months but i got a code to get it for £4.95.

nc1873

Another small update.

Still waiting on the bank to get back to me.

I sent 2 e-mails to Call Credit and got a reply from 1 of them

Thanks for your E-mail.

Your correspondence has been passed on to our dispute team.

You will receive a written letter in 28 days regarding this.

Thank You.

Care Team.


And thats it?

Shall i just sit about now and wait for either the bank or this shoddy outfit to get back to me.

Not much else i can do really.

nc1873

Well nearly a month later and all is nearly well.

My Credit Card has been reinstated to the original limit of 7k after i sent copies of all 3 credit report to the specialist lending team along with countless calls etc etc.

My Credit Report is still all wrong with Call Credit but after my phone call to the bank today she told me it may take up to 30 days for the report to SHOW as rectified however because my card has been reinstated the report HAS been fixed. ( Hope that makes sense:D)

I asked about claiming back my costs and she told me that i would have to deal with Call Credit but as a goodwill gesture she'd credit my account with £30

So thanks for all the advice in the thread and it looks like a happy ending.


PS. She also said in all her years of working at BOS she has NEVER seen a credit card reinstated with a limit of £7000 given instantly.:question: