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.

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  1. #1
    Basic Account Holder dannyfleetwood Novitiate

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    Default CDR Data Quality Team

    Is there a contact number for the Lloydsicon TSB CDR Data Quality Team??

    Got an issue with defaults they have placed on my credit file, would rather speak to them than right a letter which will probably get ignored anyway.


  2. #2
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    Default Re: CDR Data Quality Team

    no the best way really
    better to keep a paperwork trail

    dx

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  3. #3
    Basic Account Holder dannyfleetwood Novitiate

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    Default Re: CDR Data Quality Team

    I have decided to write to them. Is this letter ok would you say?


    Towhom it may concern,

    Iam writing to you as I was recently checking my Experian credit fileand I noticed something on the 3 accounts I hold with yourselves.

    Ibelieve the default dates are either
    a) wrong or
    b) unfair.

    In 2009,I started a debt managementicon Plan as suggested by one of yourcolleagues when my employer had to reduce my hours at work from 45 to30 per week which was completely out of my control.

    I have detailedbelow the accounts, default amount and default dates.

    CreditCard - account number- 971 - Default Date29/03/2012.

    Loan- account number - 3544 - Default Date 10/02/2011.

    CurrentAccount – account number - 231 – Default Date 17/02/2013.

    Istarted the debt managementicon Plan on 01/12/2009.

    I was making reducedpayments on all of my accounts with yourselves.

    I believe I actuallybroke the credit agreement by making these reduced payments andshould have defaulted mid 2010
    and I would now be in a position wherethey would have been off my credit file in roughly 3 years.

    Iam now in a worse position than if I had just ignored the debt (whichwould have been more beneficial to my credit report).

    I feel I havebeen punished for actually trying to pay off my debts as if I hadignored them I would have defaulted long before the dates that youhave defaulted me.

    Thesedefaults being added in 2011/2012 will now mean it will be 2018before I am even able to begin to rebuild a credit report
    and meansthat my life with my partner will be virtually impossible in gettinga mortgageicon etc.

    Iwould appreciate if the default dates could be changed to 2010 asevery other creditor defaulted me during that year
    so I don'tunderstand why Lloydsicon TSB is any different?

    I aim to get these debtspaid off by 2014 as I am increasing my monthly payments to StepChange.

    If you feel these default dates are valid then maybe as agesture of goodwill they could be changed to reflect when I wouldhave defaulted if I had ignored the debt.

    Thankyou for taking the time to read this letter. I would appreciate it ifyou could investigate this for me and I shall await a response.

    YoursSincerely,

    DanielFleetwood.


  4. #4
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

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    Default Re: CDR Data Quality Team

    urm...

    i'd send evidence of the other creditors being in the plan
    and a copy of your CRA file.

    in all truth.

    a creditor can default you at anytime during a dmpicon.

    what markers have you on the cra file for Lloydsicon on these account for the time of the dmpicon start?

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
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    1. Single Premium PPI Q&A Read Here
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    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
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  5. #5
    Basic Account Holder dannyfleetwood Novitiate

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    Default Re: CDR Data Quality Team

    Same as the other creditors - AP.

    Surely I still broke the original agreement as soon as I started making reduced payments? Don't you think 2012 seems harsh when I started dmpicon in 2009? I would have been better not acting on the debt and took the default in 2010 anyway. This is my argument.


  6. #6
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

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    Default Re: CDR Data Quality Team

    correct.

    post them the proof

    lets see what they do

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


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