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default on CRA file for santander loan by hoist - no my DOB.


Crissyxwc
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I recently checked my credit score and noticed a default of £13,500 against my name from Hoist Portfolio Group.

 

 

I knew nothing about this so questioned this with Hoist,

they confirmed that the DOB and address they had were not mine and it seemed like the default was not mine.

 

 

They agreed to remove this and advised me that my credit report would show clear on the next refresh.

This was over a year ago and

 

 

despite several calls to Hoist,

Robinson Way,

Noddle credit and many more

it is still showing and now has resulted in me being declined for a loan with my own bank.

 

Noddle credit say that the address is linked to my name,

this is true as I rented a room in the property

but have no links with this loan and they have no paperwork from Santander

who the loan was for showing my details either.

 

 

I now do not know what to do,

when I contact Hoist they say they have already removed the default

but Noddle claim this is not the case

- please help as we are soon wanting a mortgage

and I certainly will not be approved with this against my name.

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Inform the CRA immediately that the data they are processing is inaccurate and MUST be removed.

 

IF they fail to remove it, or claim that it is correct, then legal recourse by way of suing the DCA for defamation will IMO be needed.

 

You can also place a notice of correction against the inaccurate entry also.

 

P.S. STOP calling these clowns! You need to deal with this in writing and email ONLY.

 

Of course they told you it was going to be removed, that's what they do, they're skilled liars!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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go ring the ICO on Monday.

 

 

they'll get it sorted.

 

 

i'd be seeking compo too from whom ever is ultimately responsible for it not being removed

 

 

have you checked clearscore too?

it might be all very well it being sorted on say noddle

but if its still there on others , it'll kill your mortgage just the same.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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