post clean up just about completed?

Contracts_Engineer

Hi there

Credit clean up has taken place and after using the template from this forum ( https://forums.moneysavingexpert.com/discussion/677875 ) sending it to around 7 companies my credit file appeared up to date with the first credit agency I'd checked, Experian.

I then checked Equifax and surprisingly that to had been updated too!

I then went on to the notorious Callcredit. on the website you can order a £2 hardcopy credit report or pay online for your onlineredit report and score etc. As this meant all the information was immediatly accesible this is what i wanted but i could not see anywhere how much it was! I asked on here and someone said join Noddle as its free and its basically callcredit. Is this the case?

Anyway noddle are showing three or four unsettled amounts from the same company, TTI SPC. TTI SPC were showing on experian and equifax but when i sent them the letter they replied immediatley and said it would be done within 48hrs and it was.

I have raised the dispute with Noddle and 28 days later they have come back and said they cant do anything and explained the process i have already carried out. I have replied back to them stating that TTI SPC HAVE notified everyone and it could be Noddle whos systems are slow. I sent them a copy of each letter from tti spc showing that it should be settled. I also told Noddle to contact me if they can not help me as my final option would have to be the financial ombudsman as either Noddle or TTI SPC are not doing their jobs.

Does all this sound like i have done things correctly?
Is Noddle just a free version of Callcredit?
How much is callcredits online subscription?

Contracts_Engineer

Im also after opening a savings account as i have some money saved and i want it to earn interest.

Do they search your credit file when opening a savings account?

Also should i wait until the above is resolved??

Contracts_Engineer

75 views and no responses!

Icanandwillsavemoney

I am not much help but I do know that they do not do credit checks for savings accounts

Can't help with the noddle thing though.

ICAWSM

Contracts_Engineer

thanks for the reply.

Noddle have confirmed they will have the same info as a paying callcredit customer.

Secondly Noddle have replied to my email and confirmed they are raising a dispute with TTI SPC on my behalf as i have sent the letters from tti spc.

I hope this info helps someone out there

wildheart83

TTI SPC have done the same thing with me, until recently I had a default from the original lender and one from this mob on my credit file. They removed 2 defaults but have left 2 on there.
Good luck and let us know how you get on with them, they're proving to be a bit of a nightmare.

Contracts_Engineer

i think the letters i received on behalf of TTI SPC were from TDX group.

Im also going to get a bit arsey with these via email tomorrow. I will post their info on this thread tomorrow and keep you informed.

@ wildheart83 - if this thread is to old when i reply and you remember you are more than welcome to pm me and i will reply.

wildheart83

Yes I got a letter from TDX group confirming that they had marked the accounts as settled but that it could take up to 30 days to show. 3 months later and they've marked 2 settled and 2 still default.

I think I'm going to send TDX the clean up letter, give it a few weeks and then start formal complaints procedure. It's the only ones on my credit file still showing as defaulted.

stephen53

wildheart83 wrote: »

I think I'm going to send TDX the clean up letter, give it a few weeks and then start formal complaints procedure. It's the only ones on my credit file still showing as defaulted.

I had similar problems in that they'd only done part of what I'd asked in the clean up letter. They seemed reasonably helpful when I emailed them though and have promised to sort it out.

Might be worth dropping an email to

funders@tdxgroup.com

Contracts_Engineer

Ive got all their contact details on the letters so i am going to send them an email today.

Dont really want to put "nice to see other people are having the same problem" because that sounds wrong ! :rotfl:

Contracts_Engineer

wildheart83 wrote: »

Yes I got a letter from TDX group confirming that they had marked the accounts as settled but that it could take up to 30 days to show. 3 months later and they've marked 2 settled and 2 still default.

I think I'm going to send TDX the clean up letter, give it a few weeks and then start formal complaints procedure. It's the only ones on my credit file still showing as defaulted.

if ive got it right, as long as it shows them as defaulted / settled / £0 on or before your discharge date thats fine. It can not show an outstanding balance. As you have gone bankrupt and not payed the debt it can and will say default.