Incorrect default date on credit report

annemcgregor4

Hiya i have checked and
1. last payment date was 16/08/2002
2.The default date on my report is 10/10/2008
3. The original creditor was halifax Cetelem
4. The DCA name on my credit report is Tessera

never-in-doubt

Right it was 100% statute barred before the default was placed ergo it must be removed. Simply request the CRA remove the entry in line with it being statute barred prior to the default being placed, they cannot do this and have broken DPA and CCA rules right now.....

You've already won the fight!!

annemcgregor4

Hi, Thats great news thats for all your help i will contact CRA and see what happens, do i need to contact DCA aswell?

never-in-doubt

annemcgregor4 wrote: »

Hi, Thats great news thats for all your help i will contact CRA and see what happens, do i need to contact DCA aswell?

Yea cos it is statute barred and they have broken the law by harassing you for a SB debt! Send them this: Statute Barred Debt - England

annemcgregor4

Hiya, just wanted to thank you for all your help i sent the letter off and recieved a reply yesterday confirming that they will take no further action, the entry has also been removed from my credit report.

Thanks Anne

withabix

annemcgregor4 wrote: »

Hiya, just wanted to thank you for all your help i sent the letter off and recieved a reply yesterday confirming that they will take no further action, the entry has also been removed from my credit report.

Thanks Anne

Now they have admitted fault, you need to be writing back to them demanding compensation for their incompetence and damage to your creditworthiness.

I got £250 from RBS a few months ago without much effort, for same reason.

Better in your pocket than theirs!

never-in-doubt

annemcgregor4 wrote: »

Hiya, just wanted to thank you for all your help i sent the letter off and recieved a reply yesterday confirming that they will take no further action, the entry has also been removed from my credit report.

Thanks Anne

Excellent news :T - see, wasn't that hard when we got the facts together