We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
Default put back on to credit file!
niknaknat1
Posts: 7 Forumite
in IVA & DRO
HI all,
I completed my IVA march 1st 2010 and am just in the process of cleaning up my credit file! All defaults associated with the iva have been removed including one from Lloyds tsb that was given 3 months after the start of my Iva. Lloyds admitted that it was wrong to default me after the start of the iva and so amended the date of the default to coincide with the start of the iva, meaning that it dropped off on the 1st of march 2011. I checked all credit reference agencies and it had gone from all of them, today I have checked Call credit and the default is back on!!! It is on none of the others so what is happening!! Trouble is I am still battling with callcredit and experian to get the IVA data removed, experian are talking to me and responding to emails but call credit just dont seem to want to know anything!! How can they just put an out of date default back on my file after it has been removed by the issuer??
I completed my IVA march 1st 2010 and am just in the process of cleaning up my credit file! All defaults associated with the iva have been removed including one from Lloyds tsb that was given 3 months after the start of my Iva. Lloyds admitted that it was wrong to default me after the start of the iva and so amended the date of the default to coincide with the start of the iva, meaning that it dropped off on the 1st of march 2011. I checked all credit reference agencies and it had gone from all of them, today I have checked Call credit and the default is back on!!! It is on none of the others so what is happening!! Trouble is I am still battling with callcredit and experian to get the IVA data removed, experian are talking to me and responding to emails but call credit just dont seem to want to know anything!! How can they just put an out of date default back on my file after it has been removed by the issuer??
0
Comments
-
From what I can gather Callcredit are somewhat of a rogue organisation and their records are "dubious" at best. How they get to be one of the top three is beyond me!
Hopefully someone who knows the data laws will happen along and be able to advise0 -
Update: default removed and IVA removed from "CALLCREDIT" after a very straight to the point email!! :j0
-
Well Done. Fingers crossed it all stays clear :-)0
-
niknaknat1 wrote: »Update: default removed and IVA removed from "CALLCREDIT" after a very straight to the point email!! :j
Ha ha what did you write?If you woke up this morning congratulations, you have another chance :j0 -
Hi Now,
This is a copy of the message that I sent to them....
Can you please explain why a default that was removed by the issuer has now been put back on to my credit file!!! This default was removed by Lloyds tsb as it held incorrect information and was out of date!!!
I will be contacting lloyds today to find out if this has been put back on by them, if it has not and the information has been put on by yourselves I will be contacting the ICO today! Also you have had a copy of my completion certificate since the 9th of march and despite numerous emails ( which have not been answered) and many phonecalls to your less than helpful customer services, the information regarding my previous IVA remains visible on my file.
It comes across to me that you are a two bit, wanna be credit reference agency that is trying to play alongside the big boys ( experian & Equifax) and failing MISERABLY!!!
I am no longer prepared to waste my time and money trying to contact you regarding these matters and if they are not dealt with by the close of business today I will be forwarding all the details to the ICO!!
The default and IVA was removed the following day and I recieved NO response to the email :rotfl:0 -
FoggyBrain wrote: »From what I can gather Callcredit are somewhat of a rogue organisation and their records are "dubious" at best. How they get to be one of the top three is beyond me!
Hopefully someone who knows the data laws will happen along and be able to advise
They aren't one of the top three - there are only three!
James Jones“Official Company Representative
I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0 -
Experian_company_representative wrote: »They aren't one of the top three - there are only three!
James Jones
Point taken, James
Maybe I should have said "one of the three" 0
This discussion has been closed.
Categories
- All Categories
- 347.2K Banking & Borrowing
- 251.6K Reduce Debt & Boost Income
- 451.8K Spending & Discounts
- 239.5K Work, Benefits & Business
- 615.3K Mortgages, Homes & Bills
- 175.1K Life & Family
- 252.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 15.1K Coronavirus Support Boards