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

When was her last

P ayment

What the defaulted date

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

Regards

Andy

I take it you mean la redoute the catalogue company!

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 SAR be sent to them for disclosure as a starting point?

ideally yes around the 3rd missed payment.

sar is free now

Sorry DX

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

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 SAR requesting all data held on her and see what it shows

The ico 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?

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 years as opposed to try to get them to remove it altogether.

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.

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 SAR asking for it to be removed?

send an sar

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?

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 CRA

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

Yes, they are aware of the current address

Hi

Laredoute responded to the SAR 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

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.

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

What 6yrs rule

Statute of limitations.....no it will run from 2015.

ok.. so the 6 yr rile doesn't apply.

Any suggestions on how best to proceed with this?

As they haven't defaulted the account, statute of limitations wouldnt even apply...

thanks

It does apply because it been or is being paid [so not SB'd]

but SB is nothing to do with the defaults timescale on your credit file!!

You need to write and demand they record a default in or around march 2007 as the ico guidelines dictated 3-6mts at the time stated then

Else you will raise a serious complain with the ICO and seek redress

Thanks DX

Is there a template I should follow for something like this and is theere anything else that can be done in regards to getting them to remove it altogether ?

thanks