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.
recently been threw a wrangle with Woolwich which resulted in them not being able to provide me with any information on my account from 2001 therefore they offered to remove my 2 x defaults relating to this account, which they have done. However on my credit file i still have the account information whcih says i fell behind on payments for up to 4 months before the account was finally settled in june 2002. This information will not be removed from my file until June 2008. As they are not able to provide me with any information regarding my account and i am not able to prove that these were caused by bank charges and not by my own fault. Is it reasonable for me to ask them to update this too, and to what extent can i request? E.G i believe the account cannot be removed completely but is it reasonable to request that it is brought up to date and all the bad marks are removed? Is it possible for them to even do this? Even more so, does anyone know if this data will even caue any harm to my credit rating? After all it is marked as settled but will creditors still look at this?
As I undersatand it, defaults can be removed in agreement with the finance house, but the payment history (showing delays in payment) do not form any part of this, and whilst I agree that there may well be amounts that were incorrectly billed, this can be a moot point to argue with them. The late payment flags are not as serious as a default one, so I think you're worring too much!
If you want to check the status of your credit file FREE, I can recommend Annual Credit Report.
I wouldn't use this with any certanly, as (1) it os only available to certain geographic regions, and (2) it doesn't highlight the fact it only gives you information that refers to information held by the UK's smallest CRA - Callcredit. When I last checked with them, they had nothing in my report at all, whereas Experian and Equifax both held lots of data.
It's a scandal we have to do this and not get paid for out efforts. Incidentally, I see from that 'free credit report' offer you have to agree to your details being released to third parties - no doubt for marketing purposes. If you don't agree, you're ineligible for the free report. I'm even less impressed with this now!
I wouldn't use this with any certanly, as (1) it os only available to certain geographic regions, and (2) it doesn't highlight the fact it only gives you information that refers to information held by the UK's smallest CRA - Callcredit. When I last checked with them, they had nothing in my report at all, whereas Experian and Equifax both held lots of data.
You're absolutely correct about geographic regions but according to the site they should be covering all of the UK in the forthcoming future.
I sent £2 x 3 to the three Credit Reference Agencies earlier this year. ALL three were correct. I have read stories though of inaccuracies between data bases which is not surprising due to the amount of info held.
And what about your agreement for your non-credit data detailsto be sold on to third parties? It doesn't seem to be a bargain with that trade off being compulsory.
And what about your agreement for your non-credit data detailsto be sold on to third parties? It doesn't seem to be a bargain with that trade off being compulsory.
Good point and something that never occured to me. I hold-up my hand.
Don't get me wrong - your info was useful, but having been brought up on there being no such thing as a 'free luch' it looks as thougfh this Truro team are using the funds they receive for providing marketing info to pay for thier profit margin and your credit report...!
I don't use Nectar as I don't use companies that are afilliated to it - what so they do to card members (apart from share purchase data)?
Credit file updated - account information not
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Originally Posted by JimmyTheOne
