Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default La Redoute CRA data removal

    Hi

    Has anyone successfully had erroneous data removed from CRAs that was put there by Laredoute?

    I have a close family member who had previous credit with them many many years ago.
    She noticed about a year ago that Laredoute had updated her credit file with payment arrangements which she ceased many years ago..
    then it was showing as being paid successfully, then again changed back to indicating missed payments.

    Will a CPR 31.14 help in this situation, though I doubt they will hold any data with the debt being so old, but thats only a guess.

    Any advice will be much appreciate regarding how to get the negative marks removed from CRAs.

    Thanks in advance
    WS


  2. #2
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    Default La Redoute CRA data removal

    When was her last
    P ayment
    What the defaulted date

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  3. #3
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    Default La Redoute CRA data removal

    Thread moved to the appropriate forum Credit Reference Agencies Forum...please continue to post here to your thread.

    Regards

    Andy

    We could do with some help from you

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  4. #4
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    Default La Redoute CRA data removal

    I take it you mean la redoute the catalogue company!

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  5. #5
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    Default

    Hi DX

    Yes, its La Redoute the catalogue company

    She thinks her last payment was Dec. 2014.
    It may have even been before that.
    There is no default date on all credit reports.

    She also said Credit report showed OK (which it think indicates payment was being made), between May 2016-Aug 2017 but she had not made any payments whatsoever to La redoute recently.

    Are they not meant to default an account after a certain period of time?

    Should A SARicon be sent to them for disclosure as a starting point?


  6. #6
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    Default Re: La Redoute CRA data removal

    ideally yes around the 3rd missed payment.

    SARicon is free now

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  7. #7
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    Default Re: La Redoute CRA data removal

    Quote Originally Posted by dx100uk View Post
    ideally yes around the 3rd missed payment.

    SARicon is free now
    Sorry DX

    Im not sure what you mean by 3rd missed payment?


  8. #8
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    Default Re: La Redoute CRA data removal

    Default should be registered then

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  9. #9
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    Default Re: La Redoute CRA data removal

    Quote Originally Posted by dx100uk View Post
    Default should be registered then

    I thought it was done usually within the first year or so but nothing on the Credit reports. Im gonna do a SARicon requesting all data held on her and see what it shows


  10. #10
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    Default Re: La Redoute CRA data removal

    The ICOicon guide lines at the time say aftsr 3 missed/short payment
    A n original creditor can send a dn
    This should be done within 3-6mts of the cause

    They dont have to default you mind

    Why is this a/c an issue to her/her file?

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  11. #11
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    Default Re: La Redoute CRA data removal

    Yes, its an issue to her because its on her credit file and on all 3 major ones as well..

    I dont think I've ever seen that before.
    Its for a small fee as well but I advised her that if she pays it then they will mark it as settled and it will sit there for another 6 yearsicon as opposed to try to get them to remove it altogether.


  12. #12
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    Default Re: La Redoute CRA data removal

    is it completely false? Ie does the debt exist and the argument is about the default date or is it that the reporting of a debt is erroneous in its entirety. If so then she needs to go after laRedoute for that reason.


  13. #13
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    Default Re: La Redoute CRA data removal

    Hi ericsbrother

    The debt is genuine bit very old, dating back to 11/2003.
    Looks like they weren't reporting it for quite a while and then in June of 2012, it showed up on her credit report.

    It started with a status of BB(sustained arears 3-6 months).
    Then in Jan 2013, went to AR which means (Arrangement to pay).
    In May 2014, it changed to OK and in september 2016, it went back again to AR and has stayed that way until recently.

    If they defaulted within the 1st 3 to 6 months, this debt would have dropped off or at least be on it way to dropping off.

    With the current status, it looks like she's still making payment to it but she hasn't done since 2011 possibly ealrier than that.

    Is the best way to go after La redoute is with a SARicon asking for it to be removed?


  14. #14
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    Default Re: La Redoute CRA data removal

    send an SARicon
    you cant use an sar to remove it
    but it will give you the data to sent to demand that

    has she moved since taking this credit out?

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  15. #15
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    Default Re: La Redoute CRA data removal

    Thanks DX.
    I think she might have moved once .. possibly soon after the credit was opened but she's been in her current property for over 10 yrs.

    The la redoute debt is about 15yrs old according to CRAicon


  16. #16
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    Default Re: La Redoute CRA data removal

    So shes paid it fromand they know the correct address so thats ok

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  17. #17
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    Default Re: La Redoute CRA data removal

    Yes, they are aware of the current address



    Quote Originally Posted by dx100uk View Post
    So shes paid it fromand they know the correct address so thats ok



  18. #18
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    Default Re: La Redoute CRA data removal

    Hi

    Laredoute responded to the SARicon with copies of statement showing an outstanding balance and last time payment (token payment 1/month) was made to the account but no credit agreement was produced. Is there any steps that can be taken to get La Redoute removed from one's credit file?

    Thanks


  19. #19
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    Default Re: La Redoute CRA data removal

    just because theres no agreement doesn't mean it should be removed from your file

    so when was the 3rd missed or short payment in a row?

    that should be requested as when a default should have been registered.

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  20. #20
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    Default Re: La Redoute CRA data removal

    Hi DX

    According to the statement they sent, it should have been defaulted in March 2007 as thats when the statement went to 0 and a payment arrangement of 1 was in place for some years after and stopped in feb 2015.

    As token payments were being made, I take it the 6 year rule would not apply here?

    thanks

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