Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I once challenged incorrect information on my credit file. A few weeks later got a letter from the credit reference agency saying that the bank concerned had checked their records, and were happy that the information in the file was correct.
Do banks investigate properly claims that the information they have supplied is incorrect? Or do they take the view that the computer doesnt lie, but the customer usually does, and dismiss all claims that the data held is incorrect without any investigation?
Does anyone have any advice on challenging information on a credit file?
We have something in the pipeline that is BIG about this very subject.
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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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I have been wondering if, taking all the various systems at work within the banking system that they would now be shareing information between the various lenders about customers who are challenging the lenders?
Not quite a CIFAS but some other confidential warning code or check?
(that we dont see)
If not I would imagine that it wont be long in coming .....
The thought worries me as I see peoples files on a regular basis and have come to the conclusion that nearly 50% of them contain info that is incorrect and in many cases ruins otherwise good files.
I have tried (with not great sucess) to help with getting info corrected or removed, however the advice given by the CRA's " contact us and we will issue a note of correction and investgate for you" means little more than nothing in most cases and people are left with deflamatory incorrect info on their credit files.
And this is the info we are allowed to see!
The more recent the mistake the more chance of correction but Ferru I think your assumption is correct - the CRA's seem to believe the lenders everytime and as far as I can see you will need to get your bank to change the info and if you can do that the CRA's will follow suit.
Sounds like Dave may have a different answer ?????
Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.
Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.
I would like to see this aswell especially if it helps me to try and get rid of two defaults on my account which was paid and satisfied ages ago but contacted vodafone who said they still wont remove them even though they are satisfied even though i did read somewhere that some companies will if you ask them. Hope this info is going to help me somewhere in this region. Getting rid of these two defaults will put my credit rating back into the good books and might be able to start looking at getting some of my higher interest rates lowered to better ones.
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Banks will only register something against your credit file if it in delinquancy for many months, and if you provide proof that you've had it registered against your CF they'll remove it.
Banks will only register something against your credit file if it in delinquancy for many months, and if you provide proof that you've had it registered against your CF they'll remove it.
I assume we're entitled to get the 1s and 2s removed too if they're for money we don't actually owe (e.g. charges, etc.)?
Yes.
For example, in my county court claim I contend that any late payment and overlimit notices on my credit record as a consequence of bank penalty charges must be removed. I am seeking a remedy to put my credit record back to the good condition it was in prior to unlawful bank penalty charges (and unlawful interest on those charges) being levied.
I have no defaults but the damage that late payment and overlimit notices can do to your record is significant and potentially costly.
Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.
Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.
I've had a look around and I can't find what I'm looking for.
Right I'v sent letters to everyone I can think of requesting information cash and credit file repair. Given this if there is anything left on the credit file it is false.
Is there a standard letter I can send to the CRA's to say that there should be no detrimental information in my file and that if there is they need me to help them investigate their error?
I just don't want to spend any money on a credit file that I can't charge back at this stage in the game £10 is way too much for the credit industry.
Challenging information on credit file
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Originally Posted by dave
Re: Challenging information on credit file
Re: Challenging information on credit file
Re: Challenging information on credit file
