Account Closed - Who Updates Credit File?

nuba
nuba Posts: 8 Forumite
in Credit file & ratings
Hi.

I had a default on a TSB overdraft in 2017, this was passed to Wescot.
One month ago, I paid Wescot the outstanding amount in full.

My credit file says the account is in default and the balance remains the same.

I have spoken to TSB and because the account is closed they cannot access any information to update the status to settled on my credit file.

Wescot have said that they have sent all information back to TSB so they are unable to do anything.

Just wondering if anyone has any suggestions as to what I could do to update the credit file.
If TSB and Westcot no longer have access to the account, how would I be able to update the status to settled as I am hoping to apply for a mortgage this year.

Thanks for any help.
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Comments

  • jimbo26
    jimbo26 Posts: 954 Forumite
    Name Dropper First Post First Anniversary
    The company who added the information is responsible for its accuracy
  • nuba
    nuba Posts: 8 Forumite
    Thanks, So that's TSB. I have telephoned them but they say they cannot access my information because the account is closed.

    I have an address I am going to write to them as well. Just wondering if anyone had been in a similar situation.
  • jimbo26
    jimbo26 Posts: 954 Forumite
    Name Dropper First Post First Anniversary
    They are legally required to make sure the data is accurate. Mention the information commissioner in your letter
  • nuba
    nuba Posts: 8 Forumite
    That's great thank you.

    Is the information commissioner that same as the ombudsman?
    financial-ombudsman dot org
  • nuba
    nuba Posts: 8 Forumite
    That's great thank you.

    I will write to them.
  • jimbo26
    jimbo26 Posts: 954 Forumite
    Name Dropper First Post First Anniversary
    nuba wrote: »
    That's great thank you.

    Is the information commissioner that same as the ombudsman?
    financial-ombudsman dot org

    The information commissionrs office (ICO) is the body that deals with breaches of data protection law.

    In the first instance I would raise a complaint via the credit reference agencies. They will do the leg work by contacting TSB
  • nuba
    nuba Posts: 8 Forumite
    Brilliant, thank you.

    I will post back here how I get on, in case anyone else finds it helpful.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Is there an entry listed for Westcot on your files?

    Does that have anything listed against it?
  • StokieBecks
    StokieBecks Posts: 4,997 Forumite
    First Anniversary Photogenic First Post Xmas Saver!
    It can take a while for these changes to filter through to the credit reference agencies depending on when companies send their updated data. I cleared a couple of accounts with Lloyds Bank in May. They only reflected in my credit file at the start of July. I would wait until your next credit report is issued before jumping to complain.
    £2 Savers Club for 2022 #12
  • nuba
    nuba Posts: 8 Forumite
    No, the entry is for TSB not Westcot
This discussion has been closed.
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