Marked as settled or removed, which is best?

cluelessnurse

The account is being reported on as a fresh default (well, from 2017), not arrangement to pay.

Sorry about the vagueness, I have had a lot on recently. This is the actual timeline of events;

I have found the letter from Welcome from August this year stating,

"Our records confirm that the date we originally issued you with a notice of default was 16th Feb 2009.....we incorrectly issued you with a further NOD in May 2017. Please accept our apologies. We have forwarded this information to Coast Finance."

This is when Coast sent me a letter in September stating that they were going to update my file. Then about 2 weeks later they sent another one stating that they were not and needed more time.

So on 8/10/2019 I sent a copy of the original letter from Welcome. They wrote back to say they were looking into it, but it would take up to a month.

They then sent another letter last week saying they need even more time, up to another month!

This is why I just need advice on how to just get this company to do what they are supposed to do.

Do I complain to the ICO as you say - if so, who is that and how do I do it? I hate calling companies like this but these letters back and forth are really taking ages. Should I ring them in this case?

I hope you area able to answer my ongoing queries, Kind regards.

Willing2Learn

Hi,

So you have not made an official written complaint to Coast yet? If not, then this is what you must first do, before you can escalate to the ICO (Information Commissioners Office).


On that basis, if it were me, I would:

• Complain to Coast, in writing via Royal Mail.
• At the top of the letter, use the heading "Formal Complaint"
• Clearly state that the account was defaulted in February 2009
• Attach a copy of your supporting evidence from Welcome
• Clearly state that you want the account and associated default removed from your credit files
• Give Coast eight weeks to resolve the complaint
• After 8 weeks, if the matter has not been resolved satisfactorily, then you would escalate to the ICO (in writing again).

The ICO, very helpfully, have a complaint letter template. See the link below:
https://ico.org.uk/your-data-matters/your-right-to-get-your-data-corrected/

If you feel the need to speak to someone at the ICO, for reassurance on how to resolve your complaint, then their 'phone number is 0303 123 1113

[Deleted User]

You can't do anything until after 8 weeks has passed from your initial complaint.