Getting things removed from Credit Report?

weisskint

Hiya,

related to my other post:
http://forums.moneysavingexpert.com/showthread.html?t=723681

If DCA cannot provide us with copy of CCA, can we get them removed from credit report? If so, how?

Thanks.

RAS

Hi

you need to do this one step at a time.

Write down the debts, work out which you have paid on in the last 6 years or otherwise acknowledged. Send statute barred letters for them. These should not show up on the credit report anyway, or will drop off shortly.

For the ones you have paid against, send the CCA letter.

if they do not return the CCA, then you can send a bog off letter and demand that they remove them from the credit report under the DPA. Expect to have to report them to the Information Commissioner for passing on false information, as they will not be keen.

weisskint

Thanks Ras, where can i find more information on this?

Is there any template letters anywhere i can use?

Thank you.

RAS

So this is what you send. recorded delivery, print your name.

If they do not send the complete and proper documentation back with the time limits, you have to pay nothing and can reclaim the money you paid last year.

Consumer Credit Agreement. Has to be supplied or the debt is unenforceable.

Please do not sign it, just print your name. We have instance reported here when the returned sig was that of the person who sent the letter and not the putative debtor!

theThe Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Re:− Account/Reference Number 4563210025897412

I do not acknowledge any debt to your company.

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

1. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request; your obligation also extends to providing a statement of account. . We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

We understand a copy of our credit agreement should be supplied within 12 working days.

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully
Mr A N Other

The one pound is the statutory fee that you have to send to pay for the CCA.it must be sent registered mail or special delivery and check when it is received.

The DCa have 12 working days plus 2 to respond to you before they are in default. 30 days after that, you can tell them where to go, rather firmly

melvis

Thanks for the letter ... it's just what we need for a letter my OH has received!

weisskint

Thank you thats brilliant!