Desperate for help

Elofsson

Hi

I am still having such difficulties getting 2 companies off of my credit report . I cant get credit anywhere due to this and I am raging. The companues are Style fiance and hillsden securities . I have wrote letter after letter nobody gets back to me . Please can anybody advise me ? Many thanks

Tixy

For what reason are you asking for the entries to be removed?

What have your letters to them said?

Elofsson

I have explained that these amounts were included in
my insolvency which ended in 2009 and I enclosed copies of my discharge letter. This has been going on for couple years and can't seem to get them marked from default to satisfied .

Tixy

So presumably it is not that you want the entire entry removed, just the record updated so that it shows no balance outstanding and a default date not later than when you went bankrupt? was that in 2008?
What default dates show currently for these 2 entries?

If you have written a formal complaint to them and they have not responded within 8weeks then I would make a complaint to the FOS.

You could also try contacting the credit reference agencies and disputing the entries with them and sending copies of the relevant informaiton. They should then look in to it and query the entries with the creditors.

Elofsson

Thanks for the advise I will to the credit reference agency see how that goes . Both these companies are so difficult to get a hold off and don't have any website etc .

Elofsson

Also meant to ask what does FOS mean ?

Tixy

Financial Ombudsman Service.

Misseh

Contact the credit referencing agency with your dispute, they will contact the company and change the details if incorrect. If this doesn't work contact the FOS.

I had a dispute with HSBC, I contacted HSBC first who weren't helpful, then contacted equifax - who dealt with it for me. 1 week later the information has been updated and credit report corrected

Good luck!

Elofsson

Thanks again I have emailed noddle they said they going to look into it and contact the lenders to get this removed . Will be so happy to get this sorted out lol