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Old 18th October 2006, 22:16   #1 (permalink)
udontknowboutme'
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 66
udontknowboutme' Novitiate
Default Credit file showing missed payments...
Hi, I'm just about to file claims for the first two accounts...... I have a question....

I checked my credit file with Experian and it seems quite good apart from my current accounts which show a number 1 for each month which means I am one month behind in each entry. I don't understand how they can do this as I don't have a formal agreement to pay back a set amount to my bank and therefore, I can't be one month behind. They have obviously recorded this to show that I went over my overdraft limit for those months. Is this fair or right?
__________________

Account 1(mine) & 2 (Joint)
01/09/06 Subject Access Request sent - Hand Delivered
8/09/06 Prelim letter issued
03/10/06 LBA sent recorded delivery
17/10/06 Partial settlement offered
18/10/06 MCOL Raised
21/11/06 - Settled in FULL!!!
Account 3 (Partners)
01/09/06 Subject Access Request sent - Hand Delivered
02/10/06 Prelim letter issued
17/10/06 Partial settlement offered
18/10/06 LBA sent recorded delivery
27/01/06 MCOL Raised
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Old 19th October 2006, 09:40   #2 (permalink)
udontknowboutme'
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udontknowboutme' Novitiate
Default Credit file showing missed payments...Advice please
Hi, I'm just about to file claims for the first two accounts...... I have a question....

I checked my credit file with Experian and it seems quite good apart from my current accounts which show a number 1 for each month which means I am one month behind in each entry. I don't understand how they can do this as I don't have a formal agreement to pay back a set amount to my bank and therefore, I can't be one month behind. They have obviously recorded this to show that I went over my overdraft limit for those months. Is this fair or right?
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Old 19th October 2006, 19:58   #3 (permalink)
Kazzy77
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Default Re: Credit file showing missed payments...
Hiya. thought i'd bump u back to front page for help. try to pm a mod and ask them to look at ur thread. it may help u understand if and how banks can do this and if they cant, what u can do about it.

the only thing i have come across that may help you or be of interest is this thread :

http://www.consumeractiongroup.co.uk...tml#post157169

its very long but well worth reading
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Old 19th October 2006, 21:18   #4 (permalink)
udontknowboutme'
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Default Re: Credit file showing missed payments...
Thank you so much Kaz.....I'm reading trhough the thread you sent me. All I can say is WOW.......!
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Old 19th October 2006, 21:52   #5 (permalink)
Tinkerbelle
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Tinkerbelle InformativeTinkerbelle InformativeTinkerbelle Informative
Default Re: Credit file showing missed payments...
I'd contact the bank and ask them to explain what these markers are for. You need to know what it is before you work out how to tackle it.
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Old 24th November 2006, 18:22   #6 (permalink)
LouizeM
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Default Re: Credit file showing missed payments...
Ive never heard of a current account doing this - is this something new? My credit report has never had my current acct on there....
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