Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • JohnRabbit
    • By JohnRabbit 10th May 18, 10:57 AM
    • 2Posts
    • 1Thanks
    JohnRabbit
    Correcting Unrecognised Address on File
    • #1
    • 10th May 18, 10:57 AM
    Correcting Unrecognised Address on File 10th May 18 at 10:57 AM
    Hi everyone,

    -- Can DCA ask me to confirm current address before correcting credit file error? --

    Some years ago, I had a handful of Wonga and QuickQuid loans. I'm glad to see I'm nowhere near that place now, but one of those loans was not repaid and went to Gothia and Arvato for collection. Having moved house since then, I never received their communications about it and buried my head in the sand somewhat.

    Now, Arvato have linked an address in London to my name and the debt in question. I have never lived in London.

    I emailed Arvato - taking care to not acknowledge the account or the debt, as it has not appeared as a default for 5 years now, asking them to contact the CRAs to remove this address link.

    They initially replied telling me I would have to contact the CRAs myself but when I asked for information on performing an SAR to Arvato they changed their tune and said they would get in touch with the CRAs themselves and told me the debt had been written off and the account closed.

    I thanked the person for resolving the issue and thought it was all done, but now I have another email, saying:

    "Can you confirm your current address please? I will need this when I contact the CRAs to get the address link removed".

    The CRAs know my current address. Do I need to provide this information to Arvato in order to resolve this?



    Thank you for any and all advice.
Page 1
    • shortcrust
    • By shortcrust 10th May 18, 11:03 AM
    • 2,102 Posts
    • 3,205 Thanks
    shortcrust
    • #2
    • 10th May 18, 11:03 AM
    • #2
    • 10th May 18, 11:03 AM
    Hi everyone,

    -- Can DCA ask me to confirm current address before correcting credit file error? --

    Some years ago, I had a handful of Wonga and QuickQuid loans. I'm glad to see I'm nowhere near that place now, but one of those loans was not repaid and went to Gothia and Arvato for collection. Having moved house since then, I never received their communications about it and buried my head in the sand somewhat.

    Now, Arvato have linked an address in London to my name and the debt in question. I have never lived in London.

    I emailed Arvato - taking care to not acknowledge the account or the debt, as it has not appeared as a default for 5 years now, asking them to contact the CRAs to remove this address link.

    They initially replied telling me I would have to contact the CRAs myself but when I asked for information on performing an SAR to Arvato they changed their tune and said they would get in touch with the CRAs themselves and told me the debt had been written off and the account closed.

    I thanked the person for resolving the issue and thought it was all done, but now I have another email, saying:

    "Can you confirm your current address please? I will need this when I contact the CRAs to get the address link removed".

    The CRAs know my current address. Do I need to provide this information to Arvato in order to resolve this?



    Thank you for any and all advice.
    Originally posted by JohnRabbit
    I don't know, but it won't do any harm. If the CRAs have your current address so do Arvato so it really is a case of confirming it rather than providing them with new info.

    Be prepared though. Restarting contact with a creditor can put you straight to the top of their list of people to chase.
    • JohnRabbit
    • By JohnRabbit 10th May 18, 11:32 AM
    • 2 Posts
    • 1 Thanks
    JohnRabbit
    • #3
    • 10th May 18, 11:32 AM
    • #3
    • 10th May 18, 11:32 AM
    Thanks for your reply - I intend to settle the debt (it's only a small amount), I was just being cautious in my initial contact with them.

    If they're happy to provide the CRAs with correct information, I'm happy to pay what I owe.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,169Posts Today

8,924Users online

Martin's Twitter
  • RT @Dora_Haf: @MartinSLewis So many people on here saying they're great until you get your PROPER job. What if Your proper job Is ON zero?

  • RT @hslt88: @MartinSLewis I?m a trustee for a youth charity. We only have a limited pool of funds for flexible youth workers for holiday sc?

  • RT @Dan_i_elle_88: @MartinSLewis Loved working zero hour agency care work. Never out of work and I loved having the flexibility! Only left?

  • Follow Martin