Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1
    Basic Account Holder vogelrok Novitiate

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    Default Notice of correction message on credit file

    Just checked my credit file and found this on there in the notice of correction part.

    what is the CRA trying to imply about me. all because i made request o have linked addresses removed. and made a claim that cabot have failed to supply a CCA to prove they have the powers to collect a debt. heres the correction as i found it.


    Y1 / THE ACCURACY OF THIS DATA HAS BEEN DISPUTED BY THE INDIVIDUAL CONCERNED AND WE HAVE NOW CONTACTED THE SUBSCRIBER. CARE SHOULD THEREFORE BE TAKEN WHEN USING THIS ITEM OF DATA TO ASSESS THE CREDITWORTHINESS OF THE INDIVIDUAL CONCERNED.

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  2. #2
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    Default Re: Notice of correction message on credit file

    Hi Vogelrock

    I have the exact same notice on my Experian report for a financial association that just never existed. Basically, the CRA writes to whoever put the notice on to ask for proof they were allowed to do that and in the meantime they put that on to show there is a dispute with the info and anyone searching should not rely on this particular entry to judge you.

    Well thats what they told me! I don't know what good, if any, it does though.

    Dipply75

    I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat!
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  3. #3
    Basic Account Holder vogelrok Novitiate

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    Default Re: Notice of correction message on credit file

    Cheers for that. i banged the question back at them about it.

    think i have another question for them now. how can a mortgageicon account have two defaults against me.

    one for the whole amount and one for the monthly payments.

    i only really have one debt with my mortgageicon company and that is the full amount.

    i think it is time to Keep the CRA's on there toes and make sure they are doing there job and check each and every default someone wants to file against someone. that is there job right.

    so far i have had good results to get files amended to reflect a better judgement of me as a person now compared to me 5-8yrs ago.


  4. #4
    Basic Account Holder vogelrok Novitiate

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    Default Re: Notice of correction message on credit file

    have noticed that callcredit are one of the worse offenders for removing information from a credit report.

    i know of 2 defaults that have been removed by two different companies on my credit report at experian. but both are still on my callcredit report. even though i was informed they have be told to remove them by both companies.


  5. #5
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    Default Re: Notice of correction message on credit file

    Call credit are useless, they even have my ccj listed at the wrong court! As for your mortgageicon that just doesn't sound right. How can you be defaulted twice for the same debt??

    You would think the CRA would query that before putting it in, do they not have a responsibility to check entries also? Check out the link below, it is VERY interesting reading!

    http://www.consumeractiongroup.co.uk...ffice-six.html

    Dipply75

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  6. #6
    Basic Account Holder vogelrok Novitiate

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    Default Re: Notice of correction message on credit file

    thats what i have based all my questions on. it seems to be working so far. i am getting responses. but it is taking quite a few emails to get it all sorted.

    call credit will have go to be taken to task i think.

    they are so bad they should not be allowed to hold anyones information at all.

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