Thread: A New Credit File & Clearing Unpaid Debt On Credit File

subscribing....and what happened?

The immdediate difficulty I can see with changing name by deed-poll is that every application form for just about everything asks for any former name. Failing to disclose same could amount to fraud.

I can, however, see some attraction in changing one's name to, say, Kenneth Maynard, and then having fun with postal redirection...

There is actually no law preventing you from calling yourself what you like, providing doing so is not for any criminal purpose. I regularly use a pseudonym when writing to DCAs on behalf of others, which reminds me that I must try to be more imaginative and use the names of bank chairmen and other financial luminaries such as Mr Green and Mr Brown, the infamous travelling 'licenced agents', sometimes.

It is clear that the DCAs are not familiar with the works of the Baroness Orczy - or if they are, they don't let on...

Originally Posted by ScarletPimpernel

The immdediate difficulty I can see with changing name by deed-poll is that every application form for just about everything asks for any former name. Failing to disclose same could amount to fraud

I had the same set of concerns for the thread holder too. Most forms, but not all, do seem to ask for former names. Also, some but not all, request to know about existing loans. Anyone seeking another credit file would have to be quite astute. If lessens however, are learnt from former mistakes, the possibility of being born again, is possible.

Originally Posted by ScarletPimpernel

There is actually no law preventing you from calling yourself what you like, providing doing so is not for any criminal purpose. I regularly use a pseudonym when writing to DCAs on behalf of others, which reminds me that I must try to be more imaginative and use the names of bank chairmen and other financial luminaries such as Mr Green and Mr Brown, the infamous travelling 'licenced agents',

Try "Reggie Kray" or "Ronnie Knight." and open a P O box with an East End address. That might get you even further. L.O.L.:grin:

hi did you ever sort it out

In 2005 I received a letter from a recovery agency for Nat West Bank . Which I was unaware of as I never received any letters from the bank. I later found out the address was changed by my expartner on a joint account so when they were sending the letters it was sent to my ex partner's address in Kent which of course he did not tell me.

I paid the debt but it is still on my credit file as satisfied default (£335). I am now unable to obtain any credit. I have now found out that other creditors see this as bad as CCJs.

Dec 08 I went into debt management plan with CCCS for the amount of £15k on five accounts. If I can pay this off by May 09 - will a default notice be added to my credit file?

Can someone tell me if I am now in default with these accounts even if some have accepted the arrangement.

Hi, talking from experience about the deed poll thing, dont do it hon, it wont work.

I also have a terrible credit rating which I'm attempting to approve and if anyone can answer a question, would be grateful, I had a phone and dongle with 3g, but couldnt get a signal, so I returned them and argued not fit for purpose, but they have still logged a default on my file, how can I get it removed?

Originally Posted by jeccapf

Hi, talking from experience about the deed poll thing, dont do it hon, it wont work.

I also have a terrible credit rating which I'm attempting to approve and if anyone can answer a question, would be grateful, I had a phone and dongle with 3g, but couldnt get a signal, so I returned them and argued not fit for purpose, but they have still logged a default on my file, how can I get it removed?

I don't know if you have worked this out yet. I had a few defaults on my credit file which I have had them remove: Basically you need to write them a letter saying that you "just checked your credit file and noticed that a default has been placed against an account in your name, that you never received such a notice and ask for them to send you a copy of this notice."

I think basicaly they dont keep a copy of everything and legally if they cant provide evidence of this then they will have to remove the default. They will try and write crap back to you a few times but just be persistant. Eventually I had them all removed.

I think there is another post on here that says the same thing so you could have a look.

Hope this helps! ;-)

I have 3 number 1's beside my name and want them off. it was for literelly being days late. ive phoned them loads of times. im going to send them a letter like u seggested looking for notice issues. thanks

Hi I have 5 credit cards which I am paying£ 800 a month as an interst towordsmy account, but now I can't afford to pay this amount because of my sircumstanses. I wrot a letter to Barclaycard, Halifax but I don't know whether the credit is enforceable. Thank you for reading this I will be appreciated for anyone who has an idea what happened next?