British Credit Trust - Default Notice

Microsmith

Ah that's brill, i did ring Capquest and Mr lefty didnt know what Mr righty was doing, perhaps they will look at it with more detail if it comes from the FOS rather than me, Might write to Call Credit as well and tell them they have incorrect information about me see if that helps any.

rizla_king

Yes companies often do suddenly become much more competent and cooperative when the letter is from the FOS. If it was me I would put it in writing myself as well, so you have a full audit trail and so that if you also decide to complain about them reporting inaccurate information under the Data protection Act to the Information Commissioner then you can prove to the ICO you wrote to complain on that.

Could be worth doing a SAR in the meantime. You can obviously prove all the payments so have a fairly open and shut case, but a SAR might show up what shenanigans they were up to that led to this and make the case even stronger. Reports say that Capquest literally took over the whole shebang. Files, systems and I think even some offices and staff, so Capquest must have the records now that you would want under a SAR.

Microsmith

rizla_king wrote: »

Yes companies often do suddenly become much more competent and cooperative when the letter is from the FOS. If it was me I would put it in writing myself as well, so you have a full audit trail and so that if you also decide to complain about them reporting inaccurate information under the Data protection Act to the Information Commissioner then you can prove to the ICO you wrote to complain on that.

Could be worth doing a SAR in the meantime. You can obviously prove all the payments so have a fairly open and shut case, but a SAR might show up what shenanigans they were up to that led to this and make the case even stronger. Reports say that Capquest literally took over the whole shebang. Files, systems and I think even some offices and staff, so Capquest must have the records now that you would want under a SAR.

Yup, very good info thanks, attack at al areas, lol like it! What is a SAR? a google chucks up Search and Rescue? what does someone request when asking for a SAR?

happy_bunny_2

Subject access request. You give them a tenner, they send a copy of everything they have on you.

If they later produce something that wasn't included in the SAR, that's not going to look good on them.

rizla_king

http://ico.org.uk/for_the_public/personal_information

Fruit_and_Nut_Case

Microsmith wrote: »

British Credit Trust - Default Notice

Thrugelmir wrote: »

British Car Trust were very much alive until March of this year when they were acquired by CapQuest.

British Credit Trust or British Car Trust? Is everyone talking about the same thing here?

rizla_king

British Credit Trust was the one Microsmith mentioned throughout and they were the ones that got sold to capquest. http://www.ccrmagazine.com/index.php?option=com_content&task=view&id=10827&Itemid=35 Think Thruglemere just mistyped.

chanz4

did you pay ontime

Microsmith

chanz4 wrote: »

did you pay ontime

Yup, DD every month.

Microsmith

On my credit file there is a graph that shows the balance and payment history, it shows a £8500 balance for 3 years, whereas before this steady line you see a gradual reduction, and after you see a sharp reduction as if i made 3 lump payments, the loan is now showing up as (SF) 'satisfied'