A complaint to the ICO too, https://www.ico.gov.uk/Global/contact_us.aspx

From what i can see the default is not showing anymore. From Aug 2009 when they gave me the default it just shows 3 in red meaning late payments,

Then from for the next 2 years its greyed out to say that no information is available

and then for the last 3 months says 6 in red.

How can they do this?

Does this mean i get another default so i have to wait another 6 years?

I already done 2 years of the default.

No not another default now the debt

has been bought the new owner updates

the original entry, the original default

cannot be changed.

Ok. Its still showing under HFC and the original default has definitly been removed. Its not showing as one of my 3 defults like it used to its now just showing as late payment.

Odd, I think you should write to HFCs compliance

manager, and demand an explanation of the entry,

copy the letter to the CRAs and place a notice of

dispute on you credit files.

Out of interest what is the ''start date'' on the entry.?

You mean ask them why they have removed the default and added arrears in place of it?

That start date is 21/2/2001. They placed the default Sept 2009 and only just recently updated my file in Dec with 6 months late.

Thanks

It's odd that this entry does not show a default date???

Get the letters off.

Probably because they have removed it. Im confused. I will get the address and send the letter off. Do you think i should mention all about court etc? Or just stick with the credit file issues?

Thanks

Stick with the CRAs for now.

Thanks very much for your help

Hi all Long time no speak.

Well again HFC are trying to wear me down. My credit file has been updated. They have removed the default and have put that i am 6 months in arrers. This is really annoying as they defualted me 3 years ago.

I wrote to them to ask why they have done this and i am yet to get a reply. In the mean time i have received another letter from a DCA to say my acccount has been passed to them and i need to get in touch in 72 hours. What shall i do? I dont think they will ever leave me alone

They are not allowed to change the original date of Default. I think you might need to contact the Information Commissioner regarding this.

The case was dismissed wasnt it ?

Its very confusing. They have not changed the date of the defult they have acually removed it. It not longer shows on my Credit file. They are updated my file for the past 6 months as late in red.

Yes the case was dismissed.

I hope you have a copy of your credit file showing the original default, then as suggest write to the teethless wonders - the ICO

No I dont because it is all done on line. But surley they have to default you before they take you to court? And they did take to me to Court so there is no denying that.

Sorry to be a bit Dim but who are the ICO and how do i contact them?

Thanks

Sorry I have found them and have called for some advice. Thanks for your help again Caggers.

and?

dx

as you were posting on two threads

i've merged them and retitled

dx

Hi dx100uk. Sorry for the late reply. I called the ICO and they have advised me I have to give them 28 days to reply to my letter. (The letter i sent was to ask why they removed the default and made my account 6 months in arrers.)

If i dont hear from them I can make a complaint against the creditor for putting wrongful information on my credit file. Its been 2 weeks since i sent the letter. And in that time i receieved a letter from a DCA.

Thanks

Hi

I need some help with this. I got a letter back from HFC to say they couldnt find the account in my name or address, and the credit file i sent to them does not show the creditors name or my name and address and could i please send the whole credit file so they can answer my querey correctly.

1. How can they not find the account in my name and my address? They have been sending letters and took my to court under my married name (not my maiden name when the account was opened).

2. I dont really want to send them my whole credit file. I printed this online. So is difficult to get just there info without putting other credit info on with it.

Are they just stalling for more time? What Should i do?

Thanks

I would write back the following

"As your company have totally failed to keep proper records and now are asking for information they are not entitled to have I am taking you to court without further notice - I would remind you that defamation claims carry a very high penalty and could cost your company its CCL licence.

Details of this case are going to the OFT, Trading Standards, Ministry of Justice, local MP and various newspapers."

Keep it short and sharp and they will get the message. They are taking the proverbial here. If they cannot match you with their records then you are clearly not the debtor, the onus of proof is on THEM, not YOU.

Get back to the ICO. if they don't know who you are they shouldn't be processing your data.

Ok I will send this letter off, thank you. Does this mean they have to correct my credit file?

That will depend on the ICOs findings

I think.

Hi Again

I have had a letter today from a company to say they are acting on behalf of Mackenzie Hall to collect the debt. They are threating with door step calls if i dont contact them. I feel like im going back to basics this is what happend in the begining with HFC they turned up in my door step 3 times. I cant have this again. Any advice. The idiots wont leave me alone even though the case was dismissed in court.

Thanks