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Fastest way to remove INCORRECT default notice from credit file.
sjk100
Posts: 24 Forumite
I was hoping that someone might be able to give me some advice/information.
I had an old credit card account with LLoyds TSB which was previously passed on to MHA Collections. I paid a final settlement on the account with MHA in Spetember 2009. I applied for a loan with Tesco Finance this week and my application was declined. I was shocked to find out that the reason for this refusal was that Lloyds had put a default notice on my credit file in March this year, over 6 months after I had settled the account! (and without notifying me that a Default Notice was going to be served).
I have contacted Lloyds TSB and MHA Collections on many occasions to try and get my credit report ammended accordingly but both agencies have been very unhelpful and it appears that getting the relevant ammendments may take up to 2 months!!!
My application for a loan was to pay for medical expenses that I have and is REALLY important to me. Any advice on what to do would be REALLY appreciated! I have already spoken to Equifax and they have said that there is nothing they can do on the matter until Lloyds send them confirmation that the account was settled. I have also lodged a complaint with the Financial Ombudsman.
Thanks in advance.
I had an old credit card account with LLoyds TSB which was previously passed on to MHA Collections. I paid a final settlement on the account with MHA in Spetember 2009. I applied for a loan with Tesco Finance this week and my application was declined. I was shocked to find out that the reason for this refusal was that Lloyds had put a default notice on my credit file in March this year, over 6 months after I had settled the account! (and without notifying me that a Default Notice was going to be served).
I have contacted Lloyds TSB and MHA Collections on many occasions to try and get my credit report ammended accordingly but both agencies have been very unhelpful and it appears that getting the relevant ammendments may take up to 2 months!!!
My application for a loan was to pay for medical expenses that I have and is REALLY important to me. Any advice on what to do would be REALLY appreciated! I have already spoken to Equifax and they have said that there is nothing they can do on the matter until Lloyds send them confirmation that the account was settled. I have also lodged a complaint with the Financial Ombudsman.
Thanks in advance.
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Hi Sjk100, i'm really sorry but i cant help in any way but hopefully by bumping it up, someone will be able to advise you.
GBIf you can, help others; if you cannot do that, at least do not harm them~Dalai LamaHow people treat you is their karma; how you react is yours~Wayne DyerLet none find fault in others. Let none see omissions and commissions in others. But let one see one's own acts, done and undone~ch4 vs500 -
They can place a default on your account at any time (although i would check with the nationaldebtline if they are able to put a default on a settled account - pretty sure they can't)
I would also make a complaint to the Information Commissioners Office. They are in breach of the data protection act by placing incorrect data on your file and may be required to pay compensation for any financial loss resulting from this.
If you have not already written a formal complaint to Lloyds, i would do so now and request a letter that you can send to Tesco finance indicating that this has been put there in error. Hopefully you can then appeal the Tesco finance decision and get the loan.After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110 -
Hi - I am in a similar situation but with Anglian Windows - just wondered if you wrote to the Commisionner and if you heard back.0
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As this is an old post, I advise you send sjk100 a PM, as your unlikely to get a reply otherwise.Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.
There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies0
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