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Little Woods

Shuaibf1987
Shuaibf1987 Posts: 30 Forumite
in Debt-free wannabe
I apparently have a little woods debt of £650 but when i ask them to produce credit file which was signed they cant what can i do can i have it removed from my credit report
Cash Genie - [STRIKE]£385[/STRIKE] --- £322.50 ---£0:j
Halifax Credit Card - [STRIKE]£1950[/STRIKE] --- [STRIKE]£1235.05[/STRIKE] ---[STRIKE] £1085.05[/STRIKE] --- £0 :j
Moorcraft ( orange £200pm) - [STRIKE]£1000[/STRIKE] --- £400 £0 :j
DEBT FREE TIME FOR SAVING[/CENTER]

Comments

  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    If the debt is actually yours, then the lack of a credit agreement doesn't normally mean that a default can be removed from your file.

    Obviously, if the debt is not yours then issues with agreements are irrelevant anyway. The debt should not be on your credit report full stop.

    So to have any chance of helping, you really need to explain more about the situation? For example: Is the debt yours? Or are you not sure? If yours, when was it and the account taken out? If yours, when did you default on payments? When did you last acknowledge the debt in writing or make a payment?
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • poppasmurf_bewdley
    poppasmurf_bewdley Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Shuaibf1987 wrote: »
    I apparently have a little woods debt of £650 but when i ask them to produce credit file which was signed they cant what can i do can i have it removed from my credit report

    The way you have phrased the above, it would appear that you are not denying that the debt is yours. If it is yours, then you cannot get the debt removed from your credit file as it is legitimate.
    "There are not enough superlatives in the English language to describe a 'Princess Coronation' locomotive in full cry. We shall never see their like again". O S Nock
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    so you have a debt, but dont want to pay it. the lenders does not have a signed agreement, however was it after 2007 opened?
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • Shuaibf1987
    Shuaibf1987 Posts: 30 Forumite
    chanz4 wrote: »
    so you have a debt, but dont want to pay it. the lenders does not have a signed agreement, however was it after 2007 opened?


    yes it was last year these problems occured, the debt is not mine but i sorted it out with little woods and now i see i have arrears under their name in my credit report
    Cash Genie - [STRIKE]£385[/STRIKE] --- £322.50 ---£0:j
    Halifax Credit Card - [STRIKE]£1950[/STRIKE] --- [STRIKE]£1235.05[/STRIKE] ---[STRIKE] £1085.05[/STRIKE] --- £0 :j
    Moorcraft ( orange £200pm) - [STRIKE]£1000[/STRIKE] --- £400 £0 :j
    DEBT FREE     TIME FOR SAVING[/CENTER]
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Shuaibf1987 wrote: »
    yes it was last year these problems occured, the debt is not mine but i sorted it out with little woods and now i see i have arrears under their name in my credit report

    If it's not your account, then Littlewoods must remove the info and default they have recorded on your credit file.

    See page 19 onwards of this link on how to complain --> http://www.ico.gov.uk/for_the_public/topic_specific_guides/~/media/documents/library/Data_Protection/Practical_application/credit_explained_leaflet_2005.ashx

    In any complaint, in addition to the ICO, also say that you wish to complain to the FOS and demand a copy of their complaints procedure.

    You can also in addition record a dispute on the entry via the credit reference agency you see it on.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
This discussion has been closed.
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